Insurance Solutions for
Payment Institutions

TMU Management provides specialist insurance solutions designed for payment institutions. Our policies protect against the unique risks within the card payment ecosystem, strengthening resilience while enabling institutions to expand portfolios with confidence.

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Why Is Payment Institution Insurance Important?

Payment Institution insurance is an essential part of protecting any business against the financial and operational risks that can arise when things go wrong. From merchant insolvencies to dispute-driven chargebacks, unexpected market disruptions can swiftly undermine liquidity, impact capital stability, and restrict business growth. The right insurance solution provides a robust financial safety net while helping institutions meet card scheme requirements, satisfy regulatory scrutiny, and maintain confidence among commercial partners and merchants. By tailoring bespoke coverage directly to your merchant mix and processing framework, specialist payment insurance helps you manage exposure with greater certainty, expand into higher-risk verticals, and continue to grow with confidence.

Why Choose TMU Management For Your Payment Institution Insurance

As a regulated MGA, TMU Management combines insurance expertise with specialist knowledge of payment risk. We design solutions that do more than satisfy regulatory scrutiny; they actively enable commercial growth by reducing exposure, improving confidence, and supporting institutions in higher-risk environments.

Tailored to Your Portfolio

No two payment institutions are the same. Every acquirer, PSP, or card issuer operates with a unique merchant mix, risk appetite, and operational model. That’s why TMU’s solutions are never off-the-shelf. We work closely with your team to design policies that align with your structure, support compliance, and strengthen financial resilience.

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Confidence at Every Step.

We go beyond the policy, supporting repatriation and recovery while protecting your reputation. Our solutions are tailored to your business, helping you meet regulations and strengthen your commercial chain.

Insurance Built for Modern payment institutions

We go beyond the policy, supporting repatriation and recovery while protecting your reputation. Tailored to your business and risk profile, our solutions help you meet regulations and strengthen your commercial chain.

Integration with Payment Flows and Operations

We design embedded solutions that operate in real time, adapting to changes in your exposure and supporting both your compliance and your growth. Our cover helps future-proof your operations while maintaining flexibility for evolving business models.

A genuine partner

We work alongside you as a genuine partner, taking the time to understand your business, challenges and ambitions. From finding the right cover to supporting you when it matters, our team provides practical expertise and a personal service you can rely on.

The Cover We Provide

Our embedded protection solutions are designed to address critical financial risks across the payments and travel sectors. From acquirer chargeback insurance to card issuing settlement cover, our products help protect your business against financial exposure, unexpected losses and disruption to payment flows.

Acquirer Chargeback
Insurance

cover against chargebacks arising from merchant insolvency and non-delivery of goods or services

Card issuing
settlement

Cover against settlement default by counterparties in card transactions reducing capital exposure

Transactions Underwritten

0 Billion +

and counting – in Pipeline funds protected across travel, payments and beyond.

Trusted By Industry Professionals

Who We Cover

We work with a wide range of payment institutions, providing tailored insurance solutions that safeguard operations, protect funds, ensure compliance with Package Travel Regulations, and strengthen market credibility.

Card Issuers

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Acquiring Banks

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Payment Service Providers

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Featured Case Studies

Our clients include acquiring banks, PSPs, and card issuers with diverse portfolios. We’ve enabled institutions to expand into high-growth but higher-risk sectors by embedding insurance at the processing level. We’ve supported card issuers in meeting scheme requirements while reducing the capital burden of settlement default. Each solution is tailored, practical, and built for seamless integration.

  • Travel Counsellors 2

    TMU and Travel Counsellors embed protected payments insurance into the [...]

  • Travel Ledger 2

    TMU and Travel Ledger embed protected payments insurance into the [...]

  • Xander Pay 2

    TMU and Travel Xander Pay embed protected payments insurance into the [...]

Frequently asked questions

Yes. Both Acquirer Chargeback Insurance and Card Issuing Settlement Cover are designed to integrate directly into your processing or settlement flows, enabling simple adoption without disruption.

No. While our solutions are particularly valuable in higher-risk verticals, they are equally effective for diversified portfolios. The aim is to reduce exposure across the board and build resilience.

Every policy is bespoke. We design coverage around your risk profile, merchant mix, and operational needs.

Our solutions help satisfy regulatory and card scheme requirements by demonstrating clear risk-transfer mechanisms, reducing exposure, and supporting financial stability.

Get in Touch to Learn More About Our payment Institution Insurance Solutions

If you are ready to protect your funds, meet regulatory requirements and grow with confidence, TMU Management is here to help.

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