inCruises is a subscription-based travel rewards club, founded in 2018 and headquartered in Guaynabo, Puerto Rico. It operates within the leisure, travel and tourism industry, specializing in cruise-centered memberships that offer cost-saving booking opportunities with access not only to cruises, but also to hotels and tours worldwide. With a substantial global footprint, inCruises boasts over 1.6 million registered Members and around 347,000 Partners across more than 200 countries and territories. The platform provides access to over 20,000 cruise options, 300,000 inStays hotels and resorts, and more than 350,000 inTours experiences worldwide.
Driven by a dual mission to "enrich lives with unparalleled travel value" and empower Partners to "turn their passion for travel into prosperity," inCruises blends membership privileges with business opportunity. In 2025, the company celebrated record-setting milestones with monthly revenues surpassing $31 million and cumulative revenues exceeding $140 million, signaling a rapid upward trajectory. inCruises stands out due to its expansive global reach, high-volume travel offerings, membership-plus-partnership business model, and impressive 2025 financial performance.
From a payment processing perspective, inCruises faced three major challenges. Firstly they are in the travel industry, where payments are considered high risk by acquirers and payment processors around the world, especially where delivery is delayed. When you add in a subscription model to this vertical, banks can take convincing to onboard this model. Then to top it all off, they were also registered in Puerto Rico which, even with its close ties to the US, has a limited number of payment solutions available.
During the start up stage, inCruises were able to manage with some of the providers in the market. However, when they came to Repayd they were expanding rapidly, not just in terms of volume being processed, but also in their international reach. Many of the existing providers were either not prepared to take on the existing risk, or did not have the capability to support inCruises' reach. Any payment solution had to also be available in all of their 200 plus markets, whilst maintaining a good acceptance rate across the board. There was also a need to securely facilitate recurring card billing across all of their membership base.
Repayd has the ability to onboard customers from practically all markets around the world, so inCruises being based in Puerto Rico did not present a challenge. In addition to the protection that Repayd puts in place with their acquiring/banking partners, Repayd were able to satisfy any perceived risk they had around inCruises as a business. Repayd's solution is such that live data and exposure is always available, can be easily managed, and is ultimately protected by the provisions that Repayd put in place.
With domestic processing across many regions around the world, Repayd are also able to support inCruises' growing global footprint, as well as support recurring billing across all regions. In 2022 inCruises also took the step to actively promote the security that Repayd gave their customers, in that their funds are always protected in the unlikely event that anything should happen to inCruises. This step has proved invaluable to their business in support of conversion amongst their partners.
The results speak for themselves, with inCruises processing in excess of 1.5 million transactions per year, with Repayd offering an acceptance rate of over 90%. With Repayd supporting through their fraud and chargeback management, inCruises has a chargeback ratio of less than 0.1%, which is a huge success to both teams in a vertical like this!
My company, inGroup International LLC, has been using the services of Repayd since 2017. Their unique services and products have been instrumental in our growth, giving our customers the confidence that their purchases are backed by Repayd. Over the past 8+ years, we have successfully completed well over 5 million transactions, valued at close to half a billion dollars, without a single issue. The dedicated attention and support we receive from Will, Sami and their whole support team make them true partners in every sense. I recommend Repayd without any qualification.
With Repayd, you can process secure, cross border payments with speed, simplicity, and confidence. We help travel businesses grow internationally, streamline operations, and offer customers a smooth, trusted payment experience.
