Uplift

Uplift is the leader in Buy Now, Pay Later for travel .

When you pay monthly for a flight, a cruise, a hotel, or vacation package – you’re giving yourself the freedom to travel farther and explore more enjoyably. Millions of consumers choose Buy Now, Pay Later options for vacation and travel so that they can say “yes” to all those bucket-list items and pay over time.

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Paying monthly with Uplift helps you avoid late fees or annual fees you may incur using a credit card. Not to mention you’ll never have to worry about prepayment penalties, debt traps, or compound interest using Uplift.

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Whether you’re traveling for work, to visit family or friends, or simply taking that trip you’ve always been dreaming of, using Uplift to pay for flights in installments or spread the cost of your hotel into monthly payments is the perfect option.

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Unlike other Buy Now, Pay Later companies, Uplift’s Customer Service Squad is available 24/7 and provides unparalleled service from purchase to final payment.

A few of our partners:

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Uplift knows just how much thought, care, and planning goes into creating the most memorable experiences. Lump-sum costs shouldn’t hold you back from booking.

When it comes to paying monthly for your vacation purchases, rest easy knowing that Uplift is the original Buy Now, Pay Later for travel.

Take a look at what our valued travelers have been saying lately.

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My daughter just moved from CA to TX and was not able to come home for Thanksgiving. I thought I would surprise her with a visit from myself, her brother and his wife. She will be very happy.

So excited this will be my first trip to Las Vegas an I can take it off my bucket list thanks to Uplift.

Was a great option to pre-book flights without having to pay the entire amount! We travel with a family of 5 so everything is always expensive!

Need more answers to your questions about Uplift? Start here.

Why choose Uplift?

Uplift gives you the freedom to purchase what you want now and pay with fixed monthly payments. Uplift is often a better alternative to credit cards because Uplift charges only simple interest while some credit cards charge interest on interest. Uplift also makes budgeting easy so you can manage your expenses over time rather than paying one large sum all at once.

What kind of products and services can I purchase using Uplift?

Uplift can be used to purchase a wide range of products and services from our travel partners and retailers. Click here to see a full list of our current partners who offer Uplift. Click here to see a full list of our current partners who offer Uplift.

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What is the advantage of using Uplift vs a credit card?

While some credit cards charge interest on interest, Uplift charges only simple interest. If you carry a balance on a credit card, it can be hard to understand what it will cost you. With Uplift, the cost is clear at the time of purchase, with simple interest, predictable payments, and no fees.

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How do I apply?

Shop for your items and add them to your cart like you normally would. When you are ready to check out, simply select Uplift as your payment method. To apply, you'll need to provide some basic information like your mobile number, date of birth, and if you are a US resident, your Social Security number. If you're approved, finish checking out and you're done.

How are my loan offers determined?

We look at a number of factors, including your credit information, purchase details, and more.

How do I make installment payments?

You can make a payment anytime by visiting pay.uplift.com and clicking on the Loans tab. From there, click the Make a Payment button. We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month. If you don't have AutoPay enabled, visit pay.uplift.com , click on the Accounts page, and set the AutoPay toggle to ON. You can also change the form of payment on file with Uplift anytime by visiting pay.uplift.com .

I purchased a trip using Uplift, can I travel before it’s paid off?

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever - even before you're all paid off.

What is your Privacy Policy and Terms of Use?

Here is a link to our Privacy Policy and Terms of Use .

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $49 purchase required. Not everyone is eligible. Loans made through Uplift are offered by these lending partners:  uplift.com/lenders. Privacy Policy and Terms of Use .

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Lufthansa has a list of payment methods on its website . Some monthly payment options are available specifically for residents of Brazil and Colombia. U.S. residents may pay monthly through PayPal Credit.

Porter Airlines

Porter , a Canadian airline, allows customers to use Uplift and PayPal to purchase flights across the U.S. and Canada.

Qatar Airways

Unless you're flying from Brazil, Brunei, or Kazakhstan, you can hold any Qatar Airways booking for up to 72 hours. How long prospective travelers can hold their Qatar flights depends on where they intend to fly to and from. The "Hold My Booking" option, available on the payment page, requires a non-refundable fee that doesn't go toward the price of your ticket. In most cases, you can also use PayPal Credit.

Southwest Airlines uses Uplift to break the cost of the flight up into fixed monthly payments. It also accepts PayPal Credit and Klarna.

Sunwing connects Canadian cities with destinations in Mexico and the Caribbean. You can pay for plane tickets in monthly installments through Uplift.

United Airlines

Use Uplift, PayPal Credit, or Klarna to pay for United Airlines flights in monthly installments. The company also has a program called FareLock that allows you to pay a fee to hold a fare for three, seven, or 14 days before paying for it in full. If you decide not to buy the ticket, you forfeit the fee. This service is offered only on itineraries wholly operated by United Airlines and/or United Express.

Online Travel Agencies Offering Monthly Payment Options

Alternative airlines.

Any ticket booked through Alternative Airlines can be paid for in weekly, biweekly, or monthly installments with Uplift. The online travel agency markets itineraries by more than 600 airlines, and Uplift financing can be used for all of them. You can also split payments through Klarna.

CheapOair.com

CheapOair uses Affirm to offer customers a monthly payment option.

Funjet Vacations

Funjet Vacations uses Uplift to offer monthly payments for its flights and vacation packages.

Priceline uses Affirm to handle monthly payments. Select the "monthly payments" option on the secure billing step of the booking process and choose from three-, six-, or 12-month options. Alternatively, break it up into four payments over six weeks using Klarna.

How Buy-now, Pay-later Services Work

Airlines and travel agencies partner with BNPL services like the travel-specific Uplift or the more broadly available Affirm to offer monthly payment options. Some take payments through PayPal Credit and/or Klarna. Learn about the differences between these services and how they work.

Affirm allows customers to pay monthly or every two weeks. Terms can last up to 48 months for the largest loans, but more typically, they last up to a year. Interest rates vary by person, ranging from 0% to 36% APR, and are determined at the time of sign-up. A down payment and credit check might be required when you apply for a loan.

To use Affirm, you will need a phone number to use as an account login. The service is available only in the U.S. and Canada. Once you've created your account and gotten approved for a loan amount, you can set up auto-pay or pay each month via the app or website. You can find a full list of Affirm's travel partners, including airlines and accommodations, on its website .

PayPal Credit

This is a monthly payment option provided by travel companies that take PayPal. Typically, you'll choose PayPal as your payment method, and once you sign into your PayPal account, you can choose PayPal Credit . As of 2023, the variable purchase APR is about 28% for new accounts, but you can avoid paying interest altogether if you pay the loan off within six months. Loan applications are subject to credit approval.

Uplift is the leading pay-over-time financing service in the travel space, partnering with cruise lines, hotel chains, airlines, and more. Once you have selected a product, like your flight, you are shown a per-month rate based on the price of the items in your shopping cart. When you get to the payment page and choose monthly payment as your option, you will be asked for some personal details, and once you click "check rate," you will be told whether you've been approved. Uplift offers an APR of 0% to 36% based on your credit. You won't be penalized for paying late or early, and you can set up autopay so the money comes out of your account automatically.

Klarna breaks up the price of your ticket into monthly payments or four equal payments to be made two weeks apart. Add the Klarna extension to your Chrome browser or download the app on your phone, then book your flight as usual, selecting Klarna at checkout. The first payment will be due upfront. Klarna offers an APR of 0% to about 30%.

NEW: Book your hotel with Airfordable! 🏨 Download our app to get started now.

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Trusted by 500,000+ satisfied travelers, each with their unique stories and incredible adventures to share. Read real Airfordable traveler reviews.

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Pay a one time service fee for each booking. No credit checks. We don't believe your credit score is the best representation of you.

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When you book with us, you can secure your airfare well in advance when prices are cheaper. Protect yourself from the notorious airline price hikes no one likes.

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The Airfordable team's sole mission is to help you travel more, but in an easy and financially responsible way. We're here for you.

Flexible and guaranteed

Pay only a fraction upfront for your flights. You will receive your e-ticket once the final payment is made. No gimmicks. No hassle. Just accessible travel for your needs.

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Every interaction with Airfordable uses bank-level security and encryption. Your sensitive data is safe with us.

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Dealing with airlines can be a hassle. Our team does the legwork for you, so you can focus on the fun — not the stress.

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We're always here to help you, day or night, with any support you need to book your perfect trip.

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Have a question, comment, or review? Our team can always be reached by email at [email protected].

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Our in-app chat will send you directly to a member of our team for the one-on-one support you need.

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“The best part about Airfordable is that your ticket is paid off before your trip, so you don’t have to deal with debt once you return home. For someone who doesn’t want to miss out on a trip to see family and friends, a vacation or a life milestone, this can be a really great service.”

“Airfare is usually cheaper when you buy further in advance, but what if you haven't planned for a trip, or saved up the cash yet? One new solution is Airfordable.”

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Buy now, pay later with KAYAK and Affirm

Don’t let budget get in your way – enjoy monthly installments for select flights, stays and rental cars booked on KAYAK.

What is Affirm?

Book today and pay over time.

Feel good about what you book and how you pay for it. With Affirm, you can make thoughtful purchases and pay over time while staying on budget. See here for additional details .

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Affirm benefits

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Quick and easy

Select Affirm as your payment method when booking and choose the payment plan that works for you.

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No hidden fees

Affirm helps you break up payments with no fees or surprises, so you’ll know exactly how much you owe.

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Real-time eligibility check

Answer a few questions to check your eligibility -or prequalify to see how much you can spend without affecting your credit score.

Images below are for illustrative purposes only

How to use Affirm on KAYAK

Step 1 – look for the kayak logo **.

Once you find the flight, stay or rental car perfect for you, look for the KAYAK logo when choosing which provider to book with.

**Applicable bookings may be labeled with “Instant booking” and/or a thunderbolt icon.

Step 2 – Select “Affirm” as your method of payment

When choosing your payment option, select Affirm as the method of payment for your booking.

Step 3 – Check your eligibility on Affirm

Simply enter your mobile number to confirm your account and answer a few questions to check your eligibility. Don’t stress–this won’t affect your credit score.

Step 4 – Compare your payment plan options

Quickly and easily compare the payment plan options available for your booking.

Step 5 – Review your final payment plan

Review the payment options for your booking and complete your reservation by paying with Affirm.

*Rates from 10–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders . Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses .

Search now and pay with Affirm

Frequently asked questions.

Yes! There’s no penalty for paying early.

You can make or schedule payments at affirm.com  or in the Affirm app
 for iOS or Android. Affirm will send you email and text reminders before payments are due.

No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’s Help Center.

Yes, your travel booking must be $150 or greater.

For any cancellation or change requests, please reach out directly to the merchant via customer support service number provided in your booking confirmation emails.

Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.

You can visit their website at affirm.com .

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'buy now, pay later' can help fund your next trip but here's what you need to know about these loans, select walks you through what you need to know if you're considering a point-of-sale loan to finance your next trip.

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With summer in full swing, and many countries easing travel restrictions, you might be eager to plan a post-pandemic trip. Even if you managed to save some money ahead of time, travel expenses can quickly add up, and you might be tempted to choose the 'buy now, pay later' option that's offered at checkout on many travel websites, including Carnival or Expedia.

These point-of-sale loans are seductive to consumers who don't want to pay for their post-pandemic vacations with one lump-sum payment, allowing people to make payments over a fixed period of time, sometimes without high interest rates.

But is using the 'buy now, pay later' option to pay for your flights or hotel stays too good to be true?

Select explores some of the benefits and drawbacks of using 'buy now, pay later' for travel.

What are point-of-sale loans?

How do point-of-sale loans work, should you use point-of-sale loans for travel, bottom line.

'Buy now, pay later' providers (also known as point-of-sale loans) offer consumers the option to sign up for a payment plan either when they're buying something on a retailer's website or directly through the loan provider's website ahead of purchase

Point-of-sale loans give consumers the ability to make installment payments over a fixed period of time until they completely pay off their purchase. This means that you'll make payments toward your purchases bi-monthly or monthly depending on the plan and/ or provider.

These payments can typically be automated by providing your debit card or bank account information. While many providers boast 0% interest rates, some point-of-sale loans can have interest rates upwards of 30%, higher than the APRs on many credit cards.

Some of the most popular providers are Afterpay , Affirm , Klarna and Uplift . Klarna offers point-of-sale loans, some with 0% APR, that allow you to make four payments every two weeks and require a deposit at checkout, while Afterpay allows you to pay over six weeks. Afterpay, Uplift, Klarna and Affirm also offer consumers longer payment periods of up to one, two or even three years.

When you purchase a flight or an item, you're given different financing options at checkout, such as the opportunity to pay with a credit card, gift card or point-of-sale loan . You'll be redirected to the POS provider website where you can enter your personal information. 

Some companies won't perform a credit check while others will perform either a soft or hard credit inquiry . Soft credit checks don't negatively impact your credit score , but hard inquiries will temporarily decrease your score. Based on the information you enter, you'll either be approved or denied for the loan.

Afterpay doesn't do any credit checks while Klarna does soft and hard credit checks, depending on the loan.

The impact a point-of-sale one has on your credit score depends on whether the provider reports your payment history to the credit bureaus . For example, Affirm only reports your credit history to Experian for some loans and not others. For the loans that Affirm does report to Experian, your payment history, the length of your credit history with Affirm, the amount of your loan and your late payments can all show up on your credit report.

Make sure to read the terms and conditions of your POS loan to see if your negative payment history is reported to the credit bureaus.

Travel expenses might seem like the perfect opportunity to use a point-of-sale loan because it's oftentimes a big purchase that you might not have the immediate cash on hand to cover.

Klarna, Afterpay, Affirm and Uplift all offer 'buy now, pay later' option for certain travel partners. Affirm has partnerships with Delta Vacations, Priceline, StubHub and Alternative Airlines, a flight booking website. Uplift is exclusively focused on providing point-of-sale loans for travel, with around 200 travel partners , including United Airlines, Kayak , Southwest Airlines and Royal Caribbean. 

Uplift will help you cover transactions costing anywhere from $100 to $25,000. Interest rates range from 7% to 30%, but there are a few travel partners such as Carnival Cruise Line and Atlantis that have a 0% APR, according to Tom Botts, chief commercial officer at Uplift. The average APR for an Uplift point-of-sale loan is 15%, which is similar to the average APR for credit cards .

"We use a variety of factors to determine eligibility," Botts says. "Interest rates are based on a number of factors including credit history, transaction amount and time to travel."

Uplift also only performs a soft credit check which won't negatively impact your credit score.

If you're able to secure a loan with 0% APR and make your payments on time, a point-of-sale loan could be a good choice for funding a trip. But if those monthly payments won't easily fit within your budget, be wary of a POS loan and read the fine print beforehand to determine how much you'll end up paying in interest.

For example, if you use Affirm to finance your purchases on Alternative Airlines , you can only get a 0% APR on your point-of-sale loan if you buy a flight that costs less than $500. If your ticket costs more than $500 , you could incur an interest rate of up to 30%, depending on your creditworthiness.

If you spend $1,000 on a flight and choose a 12-month payment plan with Affirm, you'll have to cough up nearly $100 in interest if you have a 20% APR on your loan. One perk of using Affirm over a credit card is that you'll have a longer payment period (of 3, 6, 12 or 18 months) which helps to spread the expenses over time into more manageable payments. And with an installment loan from Affirm or Uplift, the interest doesn't compound month over month, so your payment stays the same over the loan's term.

But a big drawback of using point-of-sale loans for travel is having to deal with unexpected problems, like trip cancellations or delays, says Priya Malani, the CEO and founder of Stash Wealth.

"If a trip is canceled or delayed with unexpected fees, your loan is still due. You're on the hook for the agreed upon total. Even though you may have checked out in one fluid process, you're still working with two separate entities — the travel provider and the POS loan provider," Malani says.

When it comes to funding your resort stay in Cancun or your flight to the Maldives, there are other options for financing your trip.

Travel rewards credit cards offer higher rewards rates for money spent on travel and the points you earn can go toward booking flights or hotels. While travel credit cards typically come with an annual fee, some offer a 0% introductory period, so you won't have to worry about high interest rates kicking in for 12 months or longer. If you go the 0% APR route, make sure you set up a repayment plan and pay the minimum each month so you don't end up paying late fees or big interest charges.

The Chase Sapphire Preferred® Card is currently offering a welcome bonus offer where new cardholders can earn 60,000 points after they spend $4,000 on purchases in the first three months from account opening. Points can be redeemed for $750 worth of travel when booked through the Chase Ultimate Rewards® portal.

Chase Sapphire Preferred® Card

Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

The Capital One Venture Rewards Credit Card (see rates and fees ) is also a solid choice but comes with a smaller welcome bonus and higher rewards rate than the Preferred, giving 2X miles per dollar on every purchase and a welcome offer of 75,000 bonus miles if you spend $4,000 within three months of account opening.

Capital One Venture Rewards Credit Card

5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

N/A for purchases and balance transfers

19.99% - 29.99% (Variable)

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

See rates and fees . Terms apply.

Travel cards also often come with additional perks such as car rental insurance, trip cancellation insurance and purchase protection. You won't get any of these perks when you use a POS loan for travel.

If you worry about putting a big expense on your credit card or you're only eligible for a POS loan with high APR, you should also consider creating a travel fund instead.

By saving your money in a high-yield savings account , you'll be earning more (thanks to compound interest ) than you would be if you put your money in either a checking account or a traditional savings account. Creating a separate fund for travel can also give you a money goal to strive for and setting up automatic monthly transfers can help you avoid spending money on other short-term, more frivolous purchases.

Point-of-sale loans are attractive because of how easy they are to use — you simply provide some basic information about yourself to the loan provider before checking out and you can instantaneously get a loan that will allow you to spread the cost of your trip over a few months. If you're not diligent about reading the fine print, however, there can be a lot of caveats to using the 'buy now, pay later' option, including high interest rates and late fees.

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Explore > Company > News > Book your flight and hotel now, pay later

Book your flight and hotel now, pay later

We are always looking ahead at new payment options and technologies to help alleviate the stress of booking your dream vacation. Are you on a tight budget, or perhaps you just prefer to pay for big purchases over time? Great news, we now have you covered!

Expedia recognizes there’s no one-size-fits-all approach to budgeting for vacation so next time you’ve caught the wanderlust bug or need to get home for Christmas but are struggling to pay for those flight and hotel reservations upfront, you can now breathe a sigh of relief. We’ve recently expanded our partnership with online lender Affirm to give you the flexibility of spreading out the cost of your flight and hotel package booking over numerous payments instead of paying the full amount of your trip upfront.

Our team is incredibly passionate about making travel accessible for all—everyone deserves a vacation! We’ve received positive feedback from our customers who have used Affirm to book and pay for hotels on Expedia , and now we are excited to bring this payment offering to Expedia customers shopping for flight and hotel packages as well.

Ready to take advantage of more payment flexibility when you travel? Here’s how you can use Affirm on Expedia to book your next hotel and flight package.

1) Visit expedia.com , search for and select a flight and hotel.

Expedia_package_summary

Upon selecting your package, select the Monthly Payments tab .

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2) Click on “Continue to Affirm”

Expedia_check_out_Affirm_payment-1

3) Create an account or sign in to Affirm

You will be transferred to a secure Affirm sign-in page. Shoppers apply using top-of-mind information about themselves and receive a real-time decision at checkout.

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4) Complete your reservation with Affirm

Now you’re ready to jet set!

Expedia also offers exclusive Book Now, Pay Later hotel deals , so there’s no reason to let the cost of accommodation keep you from your travel plans.

What’s holding you back? Plan and book your next dream vacation today!

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How to Use ‘Travel Now, Pay Later’ Services When Planning a Trip

By Jennifer Bradley Franklin

Klarna Bali Indonesia

All products featured on Condé Nast Traveler are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

All products featured in this story are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

After more than a year of sticking close to home, travelers are ready to budget for a vacation once again. But if the desire to travel outpaces your finances, a growing number of “travel now, pay later” services are making immediate vacations possible. 

“Services such as Klarna and Afterpay are giving us the flexibility to afford that extra-nice hotel or to stay on vacation that extra day by staggering payments and slicing them into four rather than requiring one upfront payment,” says Michelle Halpern, the founder of the Live Like It's the Weekend travel blog.

Here’s how it works: If you find a trip, flight, or hotel and see the Klarna or Afterpay option, you can undergo a 30-second soft credit check, either through the apps or online, to determine the amount you qualify to pay in installments. You make the first payment—one-quarter of the total purchase—and get your trip or flight confirmation immediately. The service charges the remaining interest-free installments of the total every two weeks directly from your preferred payment method until the total is paid. You secure the deal instantly, there’s no impact on your credit score and there are no fees. However, using these services doesn’t help build credit and their charges are initiated automatically, which means that even if your linked bank account gets low or your credit card is near its limit, those charges are still going to happen.

“Afterpay saved my life on many occasions,” says Shawn Richards, a U.K.-based expedition coordinator for Ultimate Kilimanjaro, who spent years as a nomad. Richards recalls times when he’d decide spontaneously to go somewhere new, but wouldn’t have the ready funds. “Afterpay was like having a virtual father, as it gave me the kick I needed; I had to find a job in my destination very quickly to be able to pay for how I got there,” he says. Four years ago Richards used Afterpay to score the $1,400 open-ended flight to Tanzania that led to working with his current tour company.

The idea is catching on fast: Afterpay reported that it’s signed up more than 13 million users in North America as of January 2021. Different retailers have partnerships with different payment systems, so you might need accounts with multiple service providers to build the trip you want. For example, Airbnb offers payment through Zip (formerly Quadpay), while you can pay for trips on Booking.com and Expedia through Klarna. Here are some other things to consider.

Should I spring for a pricier trip?

While these services can be a great way to avoid credit card debt and the interest that can come with it, financial pros caution against spending more than your budget allows.

“Just because you have more time to spend your money doesn’t mean you have more money to spend,” says Tony Palazzo, CFA and Managing Partner at Berkeley Capital Partners & Access Private Capital in Atlanta , who notes that pay in four services may ease the psychological impact of a purchase, but that doesn’t mean you’re paying less. “You need to ask yourself, ‘If I can’t afford it now, how will I afford it within a [six]-week time period?’” he says.

Palazzo is currently seeing his financial services clients plan to take bigger trips , either because they haven’t spent money on travel during the pandemic or they’re rewarding themselves for a difficult 2020. “‘Revenge spending’ is a real thing, and travel appears to be a popular target,” he says.

When he was a nomad traveling the world , Richards tried to keep his budget conservative by thinking of Afterpay like borrowing money from a friend. “Then you are likely to only borrow what you need, and not more,” he says.

How to maximize the benefits

When you see an ultra-low price on a flight to your dream destination or an unheard-of deal on a hotel, services like Klarna and Afterpay can help you book it before it’s gone. “Time pressure to lock in a great deal is common with travel,” Palazzo says. “Offers appear at a moment’s notice and often require you to act quickly. Having quick access to the cash you might not have readily on hand, could better position you to nab that heavily discounted red-eye to Paris .”

Dolores Mason-Stokes, a Chicago-based plus-size fashion and travel blogger, used Klarna to book an upcoming trip to Catalina Island in California, and she’s planning to use it again to pay for a 2022 anniversary trip to Bali . She says that using the service strategically makes it easy to budget for a bigger trip because she’ll buy one element (like a flight) and pay it off before adding the next (like a hotel). “It doesn’t matter if it’s flights, transportation, places to stay or even excursions, you can pay through [Klarna],” Mason-Stokes says. “You could book an entire trip abroad.”

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Pay Later Travel Help Center

What is Pay Later Travel? How do you use it?

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An Overview

At Pay Later Travel we are all about making travel accessible. We do that through our flagship product - flights. We offer lay-by for flights allowing you to lock in good prices and pay off a flight on your terms

Booking a Flight 🛫

Pay Later Travel allows you to purchase a flight paying only a small deposit. The remaining amount is paid off using a payment plan. This protects you from price hikes whilst also helping you budget!

Find Your Flight

Jump on our site and search for the flight of your choice. We offer all major airlines and routes. We will indicate the total price along with the deposit amount and estimated instalments value.

Secure Your Flight

Your are able to book your flights with a small deposit (starting as low as 10%) which you pay right away. The best part is, Pay Later Travel does not charge interest or conduct any credit checks. Once you checkout our team secures your flights right away so you'll be protected from price increases.

The remaining amount is paid off using a payment plan which you set up at checkout. You can spread repayments over weekly or bi-weekly payments, for up to 6 months (26 weeks). The exact number of repayments will vary depending on your departure date. E.g. if you book your flight 7 weeks in advance you will have 6 repayments (we always aim for the last repayment to be at least a week before your flight leaves).

We allow you to select how often you will make repayments (weekly or bi-weekly) along with when those repayments begin. This gives you the flexibility to create a payment plan which aligns with your lifestyle and finances. We find many people will align their repayments with their pay day.

Pay off Your Flight

You can view your upcoming repayments using your dashboard. You can login to access your dashboard using this link . Payments will be automatically debited from your chosen account at a frequency of your choice (weekly or bi-weekly) so you do not need to think about it. Don't worry we will send you a reminder when you have an upcoming payment.

Enjoy Your Trip

Our payment plans are built to ensure your booking will be paid off before your flight departs. Once you make your final payment we will send you your e-ticket within 48 hours. You can travel stress free knowing your flight is already paid off!

Travel points on credit cards, explained

PayPal Editorial Staff

March 14, 2024

Savvy shoppers can turn everyday spending into exciting adventures by harnessing the power of travel points on credit cards.

Travel points on credit cards are rewards earned for eligible purchases. When someone accumulates enough points, they can redeem them for travel-related expenses like flights, accommodations, or upgrades.

From earning to redeeming, discover the world of travel reward points in this guide.

How do travel points work?

Travel points on credit cards work by rewarding people for their spending. When someone uses their credit card for eligible purchases, they may earn a certain number of points or miles based on the card's rewards program. These points accumulate over time and can be redeemed for travel costs.

Some cards or reward programs also offer flexible redemption options, allowing individuals to transfer points to airline or hotel loyalty programs.

The more someone spends on their card, the more travel points they may accumulate. However, it’s important to practice responsible spending and not make purchases simply to earn more points.

While some credit cards may be specifically noted as travel credit cards or offered in tandem with airline companies, many rewards credit cards can still be used to earn points or cash back to spend on travel or lodging. There may also be rewards programs via cash back apps that offer earning potential for spending with certain travel-related companies or airlines. For example, PayPal users can view travel-related deals and rewards offerings in the Travel category on the PayPal app . Rewards earning and redemption options will vary depending on card provider and/or rewards program.

Potential pros and cons of travel points

Some benefits of travel points may be:

  • Free or discounted travel expenses:  Travel points may be redeemed for complimentary or discounted flights, hotel stays, and even upgrades, allowing for cost savings on travel expenses.
  • Travel perks:  Some travel rewards cards provide access to airline or hotel loyalty program benefits, such as priority boarding, lounge access, and room upgrades.
  • Flexible redemption:  Many programs offer flexible redemption options, including the ability to transfer points to partner airlines or hotels, providing more choices for travelers.

Before signing up for a travel rewards credit card, consider the possible risks of travel points:

  • Limited flexibility:  Some travel rewards programs may have restrictions or blackout dates. Points may also have expiration dates — if unused, someone may lose their rewards.
  • High annual fees:  Many premium travel rewards cards come with annual fees, which may offset the value of the rewards.
  • Increased spending:  To earn travel points, people must use their credit card, which can lead to debt if not managed responsibly.

How to earn travel points

To earn travel points, someone generally needs to use a travel rewards credit card on eligible purchases. Over time, they may accumulate enough points to enjoy a benefit like free or reduced airfare or a discounted hotel stay.

Beyond everyday spending, here are other ways to potentially earn travel points:

  • Sign-up bonuses:  Many travel rewards credit cards offer sign-up bonuses when opening a new account and meeting a spending requirement within a specified timeframe.
  • Frequent flyer and hotel loyalty programs:  When someone flies with a specific airline or stays at a particular hotel chain consistently, they may accumulate points or miles that can be redeemed for future travel.
  • Online shopping portals:  Some airlines and credit card companies have online shopping portals that offer bonus points for making purchases through their platforms.

Accumulating travel points requires responsible financial management, including paying off credit card balances in full each month to avoid interest charges . Additionally, check for any annual fees associated with travel rewards credit cards and ensure that the benefits outweigh the costs.

How to redeem travel points

Travel rewards credit cards may offer several redemption options, from flights or hotels to vacation packages or statement credits. When booking through a rewards portal, people typically have the option to pay with points or a combination of points and cash.

The redemption process may vary slightly depending on the specific travel rewards program or credit card. Always read the terms and conditions of the rewards program and credit card to understand any restrictions, blackout dates, and expiration policies associated with the points.

Learn how to redeem rewards .

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3 Reasons Why I'd Never Use 'Buy Now, Pay Later' When Planning a Vacation

I s there anything better than taking a much-needed vacation? It's surely one of the biggest joys in life to pack a suitcase and hit the road. Paying for it can get a little sticky, though. You've likely heard of "buy now, pay later" (BNPL) services. This method of financing a purchase over several weeks or months has become quite popular, and a lot of merchants (online and in person) are offering it alongside options to pay with cash or credit card.

In brief, BNPL works by giving you the chance to pay for a purchase by splitting it into equal payments over a period of several weeks. Some services offer 0% APR, too, so using this payment option won't cost you anything extra -- assuming you can make the payments on time and in full. If you can't, you might face interest charges, delinquent accounts, or major credit score damage (if the payment service reports to the credit bureaus; not all do). Some travel websites, like Expedia, are now offering BNPL to cover the cost of travel.

But before you rejoice and rush off to book flights and hotels and pay for them in installments, wait just one second. Personally, I wouldn't use BNPL to cover vacation costs, and you might want to reconsider, too. Here's why.

1. A vacation is not a necessity -- it's better to save ahead of time

First and foremost, I'd skip the BNPL for travel costs because a vacation isn't a necessity. It's really not a good idea to borrow money for a vacation -- it's best to avoid debt for all but necessary expenses. As good as it feels to plan a trip, it feels much better to do so knowing that you're not committing your future self to make loan payments. It's a much better idea for my personal finances (and perhaps also yours) to save money ahead of time to cover flights, hotel rooms, and beyond.

I've been saving for a big 40th birthday vacation for the last few months, and in addition to ensuring I pay myself first , I'm also keeping that money in a special place. I opened a high-yield savings account with an online bank last year, and I've seen my APY climb over that time, to the point that I've earned more than $1,000 this year on the money in the account -- for doing absolutely nothing but keeping it in there. If a big vacation is in your future, I recommend taking a look at the best savings accounts and picking a winner.

2. I don't want a credit score hit

Not all of these BNPL providers run a credit check, but some do, and depending on the provider, it could be either a soft or hard credit check . A soft credit check doesn't impact your credit score, but a hard inquiry could ding your score by a few points. A hard inquiry is more likely if you're borrowing over a longer period of time (which makes sense -- more risk for the lender). For most people and in most situations, this isn't really a big deal -- your credit score will recover.

But if you're already between two credit score ranges and have a big expense coming up (like buying a home with a mortgage loan ), losing a few credit score points could be enough to impact your eligibility for the loan, as well as increase the interest rate you qualify for. Hard credit checks are impossible to avoid in most borrowing circumstances, be it for that mortgage loan or even a new credit card application. But I certainly wouldn't want to lose a few points from my credit score because of a vacation.

3. There are better ways to pay for travel

When it comes time to start paying for more of the bits and pieces of my big trip, I'll be leaning on my favorite travel rewards credit card (which I'll be paying off using that aforementioned saved cash). Why bother paying with a credit card if I have the money put aside? Well, for starters, I can't pay for online purchases with cash, and my debit card doesn't come with as many robust fraud protections as credit cards do.

The best travel credit cards offer other benefits -- I booked the flights through my card issuer's travel portal, meaning I could use points to pay for part of the cost and also earn a higher rewards rate on the money I spent. My card also comes with rental car insurance -- I hope not to need it, but since I'll be booking a few daily car rentals, I will feel a lot better knowing I'm protected. Some travel credit cards also offer broader travel insurance, as well as free checked bags and status with airlines and hotels. No matter the kind of traveler you are, there's a travel credit card out there for you.

Ultimately, BNPL is best approached with caution, no matter what you're using it for. You should probably think twice before using it for a vacation. Explore other options to pay for your upcoming travels instead.

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3 Reasons Why I'd Never Use 'Buy Now, Pay Later' When Planning a Vacation

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Are Buy Now, Pay Later Flights Worth It?

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Most major U.S. airlines and online travel agencies offer buy now, pay later financing options.

Interest rates are typically linked to your credit score and get worryingly high, costing you more over time.

Alternatives to buy now, pay later financing include 0% APR credit cards and covering costs with travel rewards.

Have you ever wanted to book a trip but didn’t have the funds available to pay for it? Travel companies know this happens, so they make it as easy as possible to purchase a flight — even if it requires financing. But are these “ buy now, pay later ” flights worth it?

Here's a look at the airlines that offer buy now, pay later, the risks involved with these purchase programs and alternatives to using this type of financing.

Who offers buy now, pay later flights?

All major U.S. airlines offer some version of buy now, pay later financing, as do online travel agencies . The provider for these differs depending on where you book.

American Airlines

American Airlines is unique in that it maintains an in-house version of buy now, pay later financing. Customers have the ability to open an American Airlines credit card upon approval. Purchases over $150 will pay no interest if paid in full within six months. Otherwise, you’ll face a hefty 28.24% APR dating back to the day you purchased your flight.

» Learn more: The best airline credit cards

Alaska Airlines

Alaska customers can use Uplift to finance their flights, which is offered at checkout. There’s a minimum purchase of $117 and interest rates vary depending on your credit score.

Delta Air Lines

Delta’s website doesn’t offer buy now, pay later financing. However, you can access this benefit by booking through Delta Vacations, which uses Affirm to generate loans. You can choose to spread payments over six, 12 or 18 monthly installments.

» Learn more: The guide to booking a Delta vacation package

Frontier Airlines

Frontier also partners with Uplift for financing, with the option to select a monthly payment at checkout. The interest rate will vary based on your credit score; payments are spread out over 12 months.

JetBlue relies on MarcusPay as its preferred buy now, pay later vendor. Interest rates vary between 8.99% and 29.99% (24.99% for New York residents) and loan terms are six, 12 or 18 months. The better your credit score, the more favorable rates and payment terms you’ll receive.

Southwest Airlines

Like Frontier and Alaska, Southwest Airlines uses Uplift to finance flight purchases. Interest rates vary depending on your credit score.

Spirit Airlines

Spirit also uses Uplift for its book now, pay later program. You’ll spread your payments out over 12 months, with a minimum purchase of $143. Interest rates are based on your credit score.

United Airlines

United also uses Uplift, which is by far the most popular option. The minimum purchase requirement is $100 and payments are spread out over a year. The interest rate you’ll pay is based on your credit score.

If you book a United Airlines flight with Alternative Airlines, the online booking engine, you can use Afterpay.

Online travel agencies

Online travel agencies such as Priceline also offer buy now, pay later options. At Priceline, you’ll be banking with Affirm . Interest rates vary according to your credit score as well as the loan term you choose, but they can be as high as 30%.

» Learn more: Is buy now, pay later a smart way to finance travel?

Risks of buy now, pay later flight tickets

It can be tempting to use a buy now, pay later program, especially if you’re worried about flight prices. However, it’s probably not a good idea. If you don’t already have the money on hand, taking on debt can just cost you extra in the long run.

As noted above, interest rates for using these programs can vary dramatically. If you have an excellent credit score, it’s possible you could pay 8.99% interest on your flight. But you could also be hit with a 30% interest rate, and spreading your payments out over a year can become costly.

» Learn more: Is using buy now, pay later services for travel a smart money move?

Let’s say you wanted to purchase a $1,000 flight, but decided to use buy now, pay later financing. After checking your credit score, the lender offered you a 25% APR with a loan term of 12 months.

Afraid of missing out on the ticket, you agree. Now, instead of paying $1,000 for a ticket, it’s costing you $1,250. If you couldn’t afford $1,000 initially, paying an additional $250 may not be a smart financial decision.

You’ll also want to consider the impact this will have on your credit score. Most of these lenders don't report to the credit bureaus, so any history of making on-time payments will be lost. If your credit score could be improved, these buy now, pay later programs won’t help.

» Learn more: Avoid the risks of having multiple buy now, pay later loans

Alternatives to airline ticket financing

So if using a buy now, pay later option isn’t necessarily a smart money move, what are some alternatives?

0% APR credit cards

If you really need to purchase a flight and don’t have time to save up the funds, consider opening a credit card with a 0% intro APR . These cards come with a limited-time interest-free promotion, during which purchases won’t accrue interest.

Personal loans

Personal loans aren’t a great idea in general, as they can face some of the same high-interest rates as buy now, pay later financing programs. However, if you’re also looking to improve your credit score, personal loans lenders report your payments to credit bureaus.

Points and miles

Purchasing airfare with points or miles can heavily subsidize your costs. Although your flight won’t be completely free, it may be deeply discounted. Some flights can cost as little as $5.60 in taxes and fees — in addition to the miles you’ll be redeeming.

» Learn more: A beginner’s guide to traveling on points and miles

Buy now, pay later flights, recapped

Buy now, pay later programs are widely available for those looking to finance their travel. However, there are risks involved with the prospect — and using these companies isn’t necessarily a good idea financially.

Instead, see if you can take advantage of other options, such as 0% APR credit cards, taking out a small personal loan or redeeming frequent flyer miles to trim flight costs. Or, start putting a small amount into a savings account each month and you’ll have saved enough for a vacation before you know it.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Preferred Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Freedom Unlimited Credit Card

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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  • Region 11 | National Capital Region
  • Per Diem Lookup

Privately owned vehicle (POV) mileage reimbursement rates

GSA has adjusted all POV mileage reimbursement rates effective January 1, 2024.

* Airplane nautical miles (NMs) should be converted into statute miles (SMs) or regular miles when submitting a voucher using the formula (1 NM equals 1.15077945 SMs).

For calculating the mileage difference between airports, please visit the U.S. Department of Transportation's Inter-Airport Distance website.

QUESTIONS: For all travel policy questions, email [email protected] .

Have travel policy questions? Use our ' Have a Question? ' site

PER DIEM LOOK-UP

1 choose a location.

Error, The Per Diem API is not responding. Please try again later.

No results could be found for the location you've entered.

Rates for Alaska, Hawaii, U.S. Territories and Possessions are set by the Department of Defense .

Rates for foreign countries are set by the State Department .

2 Choose a date

Rates are available between 10/1/2021 and 09/30/2024.

The End Date of your trip can not occur before the Start Date.

Traveler reimbursement is based on the location of the work activities and not the accommodations, unless lodging is not available at the work activity, then the agency may authorize the rate where lodging is obtained.

Unless otherwise specified, the per diem locality is defined as "all locations within, or entirely surrounded by, the corporate limits of the key city, including independent entities located within those boundaries."

Per diem localities with county definitions shall include "all locations within, or entirely surrounded by, the corporate limits of the key city as well as the boundaries of the listed counties, including independent entities located within the boundaries of the key city and the listed counties (unless otherwise listed separately)."

When a military installation or Government - related facility(whether or not specifically named) is located partially within more than one city or county boundary, the applicable per diem rate for the entire installation or facility is the higher of the rates which apply to the cities and / or counties, even though part(s) of such activities may be located outside the defined per diem locality.

J.P. Morgan Payments and Expedia: Platform Ecosystems Demand Treasurers Become Risk Management Professionals

Jim Scurlock , senior director and assistant treasurer at Expedia , and Larson McNeil , co-head of marketplaces and digital ecosystems at J.P. Morgan Payments , told Karen Webster that the role of the corporate treasurer — especially for platform companies operating across borders — has evolved to include active risk management.

“Treasurers need to be able to act quickly and need to be able to provide business insight around balances and exposures,” Scurlock noted.

“With complex ecosystems, you have a higher number of partners than you may have historically had” in the past, McNeil said. This creates new considerations for the corporate treasury function, including management of those partners and counterparty risk.

Global marketplaces must navigate everything from pay-ins to payouts and manage the flow of funds across the platform itself, while accepting an ever-growing roster of preferred payment methods and currencies.

The new reality is underscored by the increasing digitization of the travel industry, where booking trips involves any number of destinations, routes, currencies and partners, including online travel agents, banks, FinTechs and payment processors.

“It’s important to support the needs of travelers while managing that complexity and the underlying, embedded risk,” McNeil said in a conversation that was part of the continuing J.P. Morgan Payments Playmakers series .

In doing so, it’s also become critical for treasurers to be part of an ongoing conversation with internal and external stakeholders to gauge third-party money flows, visibility and security, as new products and services are introduced as business models evolve.

Moving Beyond Bank Accounts

“Historically, when people looked at the treasury ‘world,’ it was very operational,” said Scurlock, who added that treasurers’ roles were focused on bank account and cash management. But at companies including Expedia, the treasurer has moved beyond the boundaries of the finance department to become a trusted adviser across the organization. From his own vantage point, a cross-functional, team-based approach with other departments has been a successful way to look at individual projects to determine broader implications on corporate finance or tax policies.

Payments Playmakers

“We’re getting engaged earlier,” Scurlock said, noting that there’s been a strong bond forged between the treasury and payments teams within Expedia and experts at J.P. Morgan Payments. With an eye on the transactions themselves, said Scurlock, “as with any digital marketplace, many of our discussions today are about ‘how do we make that experience better for our end customers?’”

The end experience, the executives said, is akin to the North Star that guides all other efforts.

It’s a partnership approach that can ultimately lead to better business outcomes as challenges to product development, marketing, tax, accounting, legal and compliance functions are sorted out and addressed early, McNeil said.

“The best-in-class organizations have built these formal and informal, trusted relationships,” he said, as advisors such as J.P. Morgan Payments may understand parts of the business with which the product team or payments team may not have as much experience, including compliance, from a top-down and bottom-up approach.

The time is now to cement those relationships, said Scurlock, who added that “as we continue to move towards real-time payments and mechanisms, that’s going to change many of our internal processes — and not just in one individual market.”

Getting it right, said McNeil and Scurlock, means that platforms can develop within platforms (depending on the use case) and that companies must examine and fine-tune multicurrency functions and foreign exchange management.

Using Technology

Looking ahead, now more than ever, treasury departments must be agile and operating on the forefront of technology, Scurlock said.

“We’re on our own digital transformation journey,” he said, connecting formerly disparate data points and using cloud-based software solutions.

Artificial intelligence is increasingly in the mix.

“We’re taking all of this information and dropping it into cloud-based, centralized treasury data lakes,” he said.

Cleaner data makes machine learning and decisioning models more effective, Scurlock said. For J.P. Morgan Payments, while a business may have been previously only focused on helping move money from point A to point B and charging a fee, it is now, and increasingly so, said McNeil, “more about ‘how do we provide a set of value-added services?’”

As McNeil told Webster, “you’ve got to understand your industry and the various players in the ecosystem — and as complexity increases, you’ve got to understand the risk and the opportunities that this creates for the business.”

See more in the Payments Playmakers series:

How Mondelez Uses Data to Turn Consumers Into Lifelong Customers

Adobe and J.P. Morgan Payments: Why Payments in 2023 Is More Like 3D Chess Than Checkers

J.P. Morgan Payments and Sephora Talk Tap-to-Pay and the Endless Aisles of Omnichannel Commerce

Data-Driven ‘Quality Touchpoints’ Drive Value-Based Healthcare Outcomes for Seniors and the Workforce

Payments Choice Boosts Clinical Trial Participation and Drug Development Outcomes 

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Money blog: Eight major price hikes next week - but it's not all bad news as pensions, benefits and your take-home pay rise

National Price Hike Day is on Monday, with water bills, broadband, council tax and the TV licence among the things going up. Read this and more in the Money blog - your place for consumer and personal finance news. Leave a comment on the stories we're covering, or a Money Problem, below.

Tuesday 26 March 2024 22:01, UK

  • Eight things that are going up in price next week - and six major boosts to Britons' pockets
  • 'Secret' court for speeding and TV licence offences must end, say magistrates
  • Free childcare about to be extended - here's all the support on offer to parents of young children
  • Basically... What is a recession, how does it affect me and what could happen with the economy this year?
  • Money Problem : My boss makes me use annual leave for sick days - is this legal?
  • ISA deadline approaching - here's what you need to know

Ask a question or make a comment

1 April (next Monday) is nicknamed National Price Hike Day, as it's when government bodies and private companies traditionally increase the cost of goods and services ahead of the new financial year.

So what can we expect this year?

TV and broadband

BT, EE, Plusnet and Vodafone customers will be charged 7.9% more from April. These companies pin their prices to December's inflation figure plus 3.9%, which is common practice in the industry.

Virgin Media and O2, which merged in 2021, are upping prices by 8.8%, as they use the retail price index from January plus 3.9%. There are caveats which mean some O2 customers will see prices rise by less than this.

Sky is also implementing price rises, meaning most Sky TV and broadband customers will pay an average of 6.7% more from 1 April.

Council tax

Most people who live in councils with responsibility for social care in England will see their bills rise by the maximum of 4.99%.

In areas where the councils don't oversee social care, the rise for most will be 2.99%.

Birmingham City Council, which has declared effective bankruptcy, has been given permission to hike council tax by 21% over two years due to a black hole caused partly by equal pay claims and a botched IT systems rollout.

Council tax has been frozen by the devolved government in Scotland, while rises in Wales range anywhere from 3% to 21%. Northern Ireland uses a rating system instead of council tax, and rises are also expected here.

The annual cost of a standard colour TV licence will rise to £169.50 from 1 April - an increase of £10.50 on the current price of £159 a year.

Rent for social housing

The CPI rate of inflation in September - 6.7% - is used to determine the yearly rise in rents. 

For 2024-25, the limit will be 6.7% plus an additional 1%.

The average household water and sewerage bill in England and Wales will go up by an average of 6% from April . 

Water UK said the increases would leave households with an average annual bill of £473.

Vehicle excise duty will rise on all but the cleanest new and used cars in April.

Increases are generally calculated in line with the RPI rate of inflation and are expected to be about 6%.

Train fares

Rail fares will rise by 8.7% in April for those in Scotland, after the Scottish government argued previous fare freezes were not sustainable. 

For those in England and Wales, fares rose by 4.9% on 3 March. 

The Royal Mail will raise the price of stamps again as the company struggles with a decline in the number of letters being posted.

The price of a first class and second class stamp will increase by 10p to £1.35 and 85p respectively from 2 April.

It's not all bad news in April

National insurance

Chancellor Jeremy Hunt announced in the budget earlier this month that the starting rate for NI will change from 10% to 8% from 6 April.

This will benefit 27 million workers, he said, and is worth about £450 a year to an employee on an average salary of £35,000.

NI for two million self-employed workers is also being cut.

Their rate will fall from 8% to 6%. The government says that is worth £350 to a self-employed person earning £28,200.

Child benefit

The amount people can earn before child benefit is reduced or taken away is increasing.

At the moment, people lose 1% of the benefit for every £100 they earn over £50,000. At £60,000, the benefit is cut completely.

From April, the benefit won't be reduced until one parent earns more than £60,000. And it will only go completely at £80,000.

Benefits and tax credits that are linked to inflation will rise by 6.7% in April.

That was the level CPI in September.

For joint claimants over the age of 25, universal credit standard allowances will rise from £578.82 to £617.60 per month.

The basic and new state pension will rise by 8.5% in April - to £11,502 a year.

The new state pension is for those reaching state pension age on or after 6 April 2016. It will rise to £221.20 a week - up from £203.85.

Minimum wage

The National Minimum Wage for those 21 and over will rise to £11.44 - an increase of £1.02, or 9.8%.

There are larger percentage increases for younger age groups -as well as a 21.2% rise for apprentices (going up to £6.40).

Energy price cap

From 1 April to 30 June this year the price paid by a typical household that uses electricity and gas will go down to £1,690 a year.

This is £238 a year lower than the price cap between 1 January and 31 March this year. 

For the first time, COVID-19 jabs will be available on the high street.

Boots has become the first major pharmacy to launch a private vaccination service, with at least 50 stores offering the single-dose Pfizer vaccine.

The shot will be available from 1 April for anyone aged 12 or over - but there's a hefty price tag.

The vaccine will be priced at £98.95. 

Boots has said it is working to make the vaccine more affordable, but the COVID jabs are more expensive to produce than others.

Some people are still eligible to get a booster vaccine for free on the NHS - including those over 65 or with weakened immune systems due to conditions such as cancer.

The discount supermarket has said it plans to increase its animal welfare standards by allowing more space for its chickens to roam. 

Chickens used in its own-label products will have 20% more space than the industry standard, with a maximum density of 30kg per square metre, Lidl said.

The transition will start this summer and should finish by early next year. 

The move will provide chickens with more space to roam, which Lidl said "enables them to engage in natural behaviours like stretching their wings, dust bathing and exploring, bolstering both physical and psychological well-being, leading to more fulfilling lives".

Lidl GB chief commercial officer Richard Bourns said: "Animal welfare is a priority for us, and we are dedicated to ensuring all animals within our supply chain lead good lives."

The supermarket was previously criticised by campaign group The Humane League UK, which said it was "very resistant" to making changes on animal welfare.

It had called on Lidl and other supermarkets to sign the Better Chicken Commitment (BCC) - a welfare policy requiring the use of slower-growing breeds, more space, natural light and enrichment, less painful slaughter methods and third-party auditing. 

Partners Ocado and M&S appear to have been involved in a tussle for some weeks, but the former has now insisted they are "absolutely aligned".

The retailers have been in a dispute after M&S put its final payment for the joint venture on hold, saying the online grocer partnership had failed to meet key performance targets. 

M&S was due to pay £190.7m by August, dependent on the venture's performance against an undisclosed target in the year to November 2023. 

Last month, Ocado Group chief executive Tim Steiner said he believed M&S owed a "substantial amount of money" and if a settlement was not agreed it could pursue litigation. 

However, Ocado Retail chief executive Hannah Gibson has now insisted conversations are ongoing and it is not impacting day-to-day operations. 

Ms Gibson claimed both companies were "working really closely operationally together".

"They were in a board meeting and there were positive conversations and relationships going on focused on what we're doing now to grow and improve the business," she said.

"I think we're all absolutely aligned."

Nearly four million smart meters across Great Britain are not working properly , government figures show.

While some 2.7 million meters were not operating in smart mode as of June 2023, that figure increased to 3.98 million by the end of last year, according to data from the Department for Energy Security and Net Zero (DESNZ).

Read more here ...

Fundraisers doing door-to-door collections for charities will be monitored more closely , the Fundraising Regulator has said. 

News reports found recruits were being taught pressure-selling tactics, despite the Code of Fundraising Practice warning against putting "undue pressure" on people.

Charities must monitor subcontracting firms carrying out fundraising on their behalf more closely and must ensure fundraisers are given appropriate training. 

ITV racked up millions of pounds in legal costs last year as it dealt with the fallout of the Phillip Schofield scandal , according to a report.

The broadcaster paid £24m in legal fees in 2023, some of which were related to a KC review into Schofield's affair with a young colleague. 

The presenter of This Morning stepped down in May last year, saying his relationship with the studio runner was "unwise, but not illegal". 

ITV was cleared of wrongdoing and has denied it paid a settlement to Schofield or his younger colleague.

Dragons' Den star Theo Paphitis has called on the government to close a tax loophole used by fast fashion giants such as Temu and Shein.

He argued companies are avoiding customs bills in the UK by shipping individual orders directly from countries like China, rather than shipping in bulk to fulfilment centres. 

A UK rule means shipments worth less than £135 are exempt from import duties.

Basically, a recession is the decline of a country's gross domestic product (GDP).

It's worth explaining a bit more about what GDP is before we get in-depth on recession.

Gross domestic product is the world's most closely watched economic indicator. It measures how much is produced, how much is spent and how much is earned in an economy over a certain period of time.

When GDP goes up, the economy is considered to be doing well.

When it goes down - negative growth or economic contraction - it's not doing well.

The most commonly used definition of a recession is when GDP falls for at least two successive three-month periods, or "quarters".

The Office for National Statistics says the "two quarters" rule has the potential to be misleading, however, as there are other factors that might mean GDP falls for six months that won't mean an economy is in recession.

But it's widely used - including by the Bank of England - as a rule of thumb.

Recessions are temporary and part of the economic cycle. If an economic downturn is particularly severe or lasts for a long period of time, it's known as a depression.

Why do some people talk about a 'technical recession'?

You may have heard economists, journalists or statisticians use this phrase before.

As we've said above, in the UK a recession is defined as two consecutive quarters of negative economic growth regardless of how deep, wide-ranging and long an economic downturn is.

Some will use the phrase "technical recession" to identify that they're applying this prescriptive definition of a recession, compared to, say, the US where the National Bureau of Economic Research will consider a broader range of economic indicators, such as unemployment, job vacancies and wage data, before declaring whether the economy is in recession.

What causes a recession?

It's difficult to determine exactly what causes a recession, as a number of factors can be at play.

They can be triggered by rising interest rates, economic shocks such as that experienced during the COVID pandemic, excess debt in the housing market (2008 crisis) and oversupply of goods and services - among many other things.

What happens during a recession and how would it affect me?

During a recession there's less money circulating, which can mean job losses, pay cuts, recruitment freezes and businesses shutting up shop.

Getting a mortgage or loan during a recession will prove hard as banks tighten their lending criteria.

It is also likely a recession will not be felt equally across society, with those on benefits, in precarious work or without savings faring worse.

Are we in a recession now?

Figures released by the ONS last month showed the UK slipped into a recession at the end of 2023.

But the economy is set to grow more than expected in 2024, according to the Office for Budget Responsibility - the country's fiscal watchdog - which is also expecting better economic growth in 2025 than previously forecast.

Andrew Bailey, governor of the Bank of England, also hinted in February that the recession may "already be over". He told a committee of MPs he believed the downturn would be one of the most shallow recession events of modern times.

Read other entries in our Basically... series:

Prosecutions for low level offences such as speeding, truancy and TV licence fee non-payments are usually dealt with behind-closed-doors by the Single Justice Procedure (SJP).

It's designed to keep the court system efficient and minimise delays to more serious cases in the magistrates' courts. 

But the Magistrates' Association has intervened to call for a reform of the SJP system, saying "flaws" in the system mean magistrates do not have enough time to consider cases and that it is harming "some of society's most vulnerable people". 

The association is urging the Ministry of Justice to carry out a 12-point plan, including allowing prosecutors to see all pleas and mitigations beforehand, and letting the sittings be observed by journalists. 

Up to 40,000 SJP cases are currently decided in private each month. 

News reports say cases prosecuted by the SJP include a 78-year-old with dementia fined for not having car insurance while she was in a care home, a 33-year-old given a £781 legal bill after accidentally failing to pay £4 to the DVLA, and an 85-year-old woman prosecuted for not paying car insurance after suffering a broken neck and being admitted to a care home. 

A black Uber Eats courier has been given a payout to end a legal claim in which he alleged he was unfairly blocked from work because the company's facial recognition app was racist.

Pa Manjang had his courier account suspended after being told security selfie checks he provided had "continued mismatches". 

Couriers need to provide the photo checks at the start of their shifts, but Mr Manjang said he had been asked to take pictures of himself "multiple times a day" because the AI software failed to recognise him.

He told Uber Eats: "Your algorithm, by the looks of things, is racist."

The food delivery app has said its verification process also involves human reviewers.  

Mr Manjang was backed by the Equality and Human Rights Commission and the App Drivers and Couriers Union, who funded his case.

Both said they were concerned by the use of AI in this instance, "particularly how it could be used to permanently suspend a driver's access to the app, depriving them of an income".

Uber Eats has made a settlement in the case, but reports suggest it accepts no liability.

The company said in a statement to Sky News that the real-time ID check "was not the reason for Mr Manjang's brief loss of access to his courier account".

"Our Real Time ID check is designed to help keep everyone who uses our app safe, and includes robust human review to make sure that we're not making decisions about someone's livelihood in a vacuum, without oversight," it said.

By Sarah Taaffe-Maguire , business reporter

The possibility of a new record high being reached by the most valuable companies of the Financial Times Stock Exchange (FTSE) 100 has ebbed away. 

The index is down slightly (0.06%) this morning, no longer within touching distance of the all-time high in the combined value of the FTSE 100 companies recorded in February last year, as the rally that came late last week receded. 

The news that Asos sales fell 18% in the six months to March did nothing to dent the share price - it was up 7.6% but comes after a fall of 90% across the last three years. 

Performing well this morning is gambling giant Flutter, the owner of Paddy Power and Betfair brands. Today it announced it is moving its primary stock exchange listing to New York on 31 May, a blow to London. But it also recorded revenue growth of 17.3% in the UK and Ireland as it said its market share grew in the countries. 

Oil prices have fallen from the $87 a barrel cost of Monday and now the benchmark Brent crude oil costs $86.8.

A pound buys $1.2647 and €1.1659.

Chocolate is among the products placing upwards pressure on grocery inflation in the run-up to Easter, according to closely watched supermarket data.

Kantar Worldpanel, which tracks pricing and market share, reported a further slowing in the pace of price growth across the sector over the four weeks to 17 March.

It said the annual rate for grocery inflation eased to 4.5% - down from the 5.3% figure recorded the previous month.

The report credited price matching guarantees across the industry, as shoppers continue to seek out value amid the wider cost of living crisis that is continuing to damage household spending power despite wage growth firmly outstripping the rate of inflation.

Kantar reported that prices were rising fastest in markets such as sugar confectionery and chocolate confectionery.

Global cocoa prices have nearly doubled so far this year. Heavy rains in West Africa, where most of the world's cocoa is grown, have hit production.

Things falling fastest include butter, milk and toilet tissues, it found.

You can read more from our business reporter James Sillars here...

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  26. An Ohio toddler died after her mom left her alone as she took a 10-day

    Kristel Candelario was sentenced to life in prison by a judge who scolded her for posing for photos on a beach in Puerto Rico while her 16-month-old daughter lay dying alone in a filthy playpen ...

  27. Privately owned vehicle (POV) mileage reimbursement rates

    GSA has adjusted all POV mileage reimbursement rates effective January 1, 2024. Modes of transportation. Effective/applicability date. Rate per mile. Airplane*. January 1, 2024. $1.76. If use of privately owned automobile is authorized or if no government-furnished automobile is available. January 1, 2024.

  28. J.P. Morgan Payments, Expedia Urge Treasurers to Focus on Risk

    00:00. 25:00. Jim Scurlock, senior director and assistant treasurer at Expedia, and Larson McNeil, co-head of marketplaces and digital ecosystems at J.P. Morgan Payments, told Karen Webster that ...

  29. Money blog: Eight major price hikes next week

    A postal application will go up by £7 to £100 for adults and £69 for children. The one-week fast track service is also increasing by £11.50 for adults (£155) and £9.50 for children (£135.50 ...