TripLink
TripLink is a Hong Kong-based B2B fintech and wholly-owned subsidiary of Trip.com Group that issues multi-currency virtual commercial cards for cross-border payments to enterprise clients in travel, e-commerce, advertising, education, and corporate expense management across ten cities globally.
- Company typePrivate
- Founded2018
- HeadquartersHong Kong, Hong Kong SAR China
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What TripLink does
TripLink is a Hong Kong-based financial technology company and wholly-owned subsidiary of Trip.com Group (NASDAQ: TCOM) that provides cross-border B2B payment infrastructure centered on virtual commercial card issuance. Founded in 2018, the company operates across 10 cities (Hong Kong, Shanghai, Singapore, London, Amsterdam, Tokyo, Seoul, Bangkok, Jakarta, Kuala Lumpur) and serves enterprise clients in travel, e-commerce, online advertising, education, and corporate expense management. Its core product is a customizable virtual commercial card platform supporting 20+ currencies (HKD, CNH, USD, GBP, AUD among them), with configurable spending limits, expiry dates, co-branded card design, real-time transaction authorization, and automated multi-dimensional reconciliation. The technology stack includes a public API and Java SDK with a sandbox environment, PCI DSS and ISO 27001 certified infrastructure, and integration with Apple Pay and Google Pay.
The platform addresses pain points specific to B2B cross-border commerce: high intermediary payment costs, delayed supplier settlement, manual reconciliation burden, and fragmented cash flow visibility. Distribution occurs through direct enterprise field sales, API/SDK self-service integration, the Visa card network partnership (announced March 2026, initially live in Singapore with planned expansion to the Netherlands and Hong Kong), and mobile wallet channels. Revenue is generated primarily through transaction fees on virtual commercial card payments, with secondary card issuance and management services. Multiple legal entities span the Netherlands (primary, TripLink International B.V.), UK, Hong Kong, Singapore, and China, indicating deliberate regulatory and market access structuring. No external funding rounds, headcount growth metrics, or revenue figures are disclosed in available materials.
TripLink firmographics
Firmographics- Name
- TripLink
- Legal name
- TripLink International B.V.
- Website
- https://triplinkintl.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- TripLink is a Hong Kong-based B2B fintech and wholly-owned subsidiary of Trip.com Group that issues multi-currency virtual commercial cards for cross-border payments to enterprise clients in travel, e-commerce, advertising, education, and corporate expense management across ten cities globally.
- Ownership category
- akta.pro rank
TripLink industry classification
Industry- Product category
- Cross-border Payment Infrastructure
- NAICS
- Other Travel Arrangement and Reservation Services (56159), All Other Travel Arrangement and Reservation Services (561599), Travel Agencies (561510)
- SIC
- Arrangement Of Transportation Of Freight & Cargo (4731), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- B2B Travel Credit, Invoice & Settlement Solutions (THALAHAD)
- akta.pro secondary industries
- SME & Business Cross-Border Payments (B2B) (FSAMAIAB), Travel Wallets & Prepaid Accounts (Multi-currency, Per-diem) (THACAJAC), Online Booking & Reservation Platforms (B2B/B2C) (THALAMAA), Corporate Billing, Statements, Chargeback & Dispute Management (THACAJAJ)
Keywords
Where TripLink is headquartered
LocationHeadquarters
- HQ city
- Hong Kong
- HQ country
- Hong Kong SAR China
- HQ region
- Asia
Offices10 records
Markets served
TripLink business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Virtual Commercial Card Transaction Fees: TripLink earns revenue through transaction fees on virtual commercial card payments processed through its platform, serving travel suppliers, hotels, e-commerce merchants, and advertising platforms
- Card Issuance and Management Services: Revenue generated from issuing and managing virtual and physical commercial cards for enterprise clients with customized features and spending controls
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
TripLink product offering
Product offeringCore offering
TripLink is a B2B fintech company that issues virtual and physical commercial cards for cross-border payments, supporting 20+ currencies and both online and offline payment scenarios. The platform enables enterprise clients—including travel suppliers, e-commerce merchants, advertising buyers, and corporate finance teams—to manage B2B payments with customizable spending limits, real-time transaction controls, and automated reconciliation. Products are accessed via API/SDK integration, a self-service web portal, and mobile wallet tokenization, and are distributed globally through a partnership with Visa.
Product overview
TripLink operates as a fintech platform offering virtual commercial cards as its core product, with a modular architecture that includes customizable card management, multiple industry-specific payment solutions (Travel, E-commerce, Education, Employee Benefits, Amazon Ads, Overseas Shopping), mobile wallet integrations (Apple Pay, Google Pay), and developer API/SDK tools. The platform supports 20+ currencies and serves travel suppliers, hotels, agencies, e-commerce businesses, and corporate clients requiring cross-border payment capabilities with real-time transaction controls and automatic reconciliation.
Differentiator
Problem solved
Functional benefit
Products and services
- Virtual Commercial Card TripLink's flagship virtual commercial card product enabling cross-border B2B payments across online and offline scenarios, with multi-currency support (20+ currencies including HKD, CNH, USD, GBP, AUD) and customizable spending controls. Targeted at enterprise clients including travel suppliers, hotels, e-commerce merchants, and advertising platforms.
- Travel Payment Solutions Industry-specific B2B payment solution for the travel sector enabling instant virtual card payments to travel suppliers per booking, real-time payments for cash flow optimization, and automatic reconciliation with multi-dimensional reports. Targeted at travel agencies, tour operators, online travel platforms, hotels, and travel suppliers.
- E-commerce Payment Solutions B2B payment solution for e-commerce merchants enabling batch virtual card issuance to multiple suppliers in a single transaction, dynamic payment management to optimize cash flow, and automatic reconciliation with transaction records matched to order numbers. Targeted at cross-border e-commerce merchants managing multi-supplier relationships.
- Employee Expense Management Solution for managing employee corporate spending with budget controls, simplified internal monitoring and reimbursement workflows, individual employee spending management, and streamlined finance reconciliation. Targeted at corporate finance and HR teams managing employee travel and operational expenses.
- Study Abroad Payment Payment solution for international education expenses including transparent overseas tuition payment processing, multi-currency exchange support for major currencies, and improved payment efficiency with reduced costs. Targeted at educational institutions and students paying overseas tuition and study abroad program fees.
- Advertising Payment Solutions Payment solution for cross-border advertising spend on global platforms including Facebook, TikTok, Google Ads, Twitter/X, YouTube, Pinterest, and Instagram. Provides stable and convenient transaction processing, multi-currency support, and budget management. Targeted at advertisers and agencies running campaigns on global digital advertising platforms.
- Overseas Shopping and Subscription Services Payment solution for international shopping and subscription services accepted at major e-commerce platforms (Amazon, eBay, Shopee, Lazada, Wish, SHEIN, Temu), subscription services (YouTube, Netflix, Spotify), and app development platforms (Google Cloud, Apple, Alibaba Cloud). Targeted at consumers and SMBs making international purchases.
- Visa and TripLink Global Virtual Travel Card Programme Global virtual travel card programme integrating Visa virtual card credentials into TripLink's infrastructure, designed to streamline B2B payment flows for travel suppliers, hotels, and agencies. Includes joint marketing with Visa to support international travel recovery across Asia Pacific.
Quantifiable outcome
- 55% of Asia Pacific consumers plan to travel in the next six months (Visa research)
- +2 more outcomes
Companies that use TripLink
Customer profileSegments6 records
Ideal customer profiles6 records
TripLink technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature7 records
TripLink partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- VisacoreVisa and Trip.com Group launched a global virtual travel card program through TripLink, integrating Visa virtual card credentials into TripLink's infrastructure. The program streamlines B2B payment flows for travel suppliers, hotels, and agencies, improving payment reliability, reducing reconciliation friction, and enhancing card acceptance. The partnership includes joint marketing to support international travel recovery across Asia Pacific. Initially live in Singapore with planned expansion to the Netherlands and Hong Kong.
Scale indicators6 records
Recent moves5 records
Expansion highlights5 records
TripLink competitors and assessment
Company assessmentDirect peers
- Stripe Issuing: Stripe Issuing enables platforms and businesses to create, control, and distribute virtual and physical cards via API — overlapping directly with TripLink's API/SDK-first card issuance infrastructure. Both serve developer-led integration of card-based payment flows for B2B and platform use cases.
- Brex: Brex issues virtual and physical corporate cards for businesses with spending controls, automated reconciliation, and bill pay — overlapping closely with TripLink's Employee Expense Management and customizable virtual card products. While Brex is primarily US-focused, both compete for global enterprise B2B card volume.
- Nium: Nium is a global cross-border payments platform offering multi-currency accounts, card issuance, and B2B payment rails to enterprises including travel, gig economy, and remittance customers. Its card-issuance infrastructure and travel vertical overlap directly with TripLink's virtual commercial card proposition and travel supplier payment workflows.
- PingPong: PingPong provides cross-border B2B payment services for Chinese exporters, e-commerce platforms, and online sellers — overlapping materially with TripLink's e-commerce supplier payments, overseas advertising, and global trade use cases. Like TripLink, it sits between China-origin merchants and global payment acceptance networks, including Visa and Mastercard rails.
- Airwallex: Headquartered in Hong Kong/Singapore, Airwallex is a direct competitor offering cross-border B2B payment infrastructure including multi-currency accounts and virtual commercial cards. It targets the same Asia Pacific and global SME/corporate customer base as TripLink, with overlapping solutions for travel suppliers, e-commerce merchants, and advertising spend management.
- Ramp: Ramp is a corporate card and spend management platform targeting SMBs and mid-market companies with virtual cards, automated reconciliation, and budget controls. Its core product capabilities directly parallel TripLink's employee expense management and virtual commercial card offerings for B2B customers.
- Marqeta: Marqeta operates an open API card-issuing platform powering virtual and physical cards for fintechs and enterprises — comparable to TripLink's API-first card issuance stack. Both emphasize real-time transaction authorization controls, multi-currency support, and developer-led integration for B2B use cases including travel and advertising.
Broad incumbents
- Corpay: Corpay (formerly FleetCor) is a global corporate payments company offering commercial cards, AP automation, and cross-border payment solutions to enterprises. Its commercial card and B2B payment products overlap with TripLink's virtual commercial card offering, particularly for travel and corporate expense management use cases.
- Wise (formerly TransferWise): Wise is a global multi-currency payments platform offering business accounts, international transfers, and multi-currency card products. While broader in scope than TripLink and focused on SMB/receivables, its multi-currency card and cross-border B2B capabilities compete for overlapping enterprise wallet share across Asia Pacific and Europe.
- Adyen: Adyen is a global payment processing platform serving large enterprises with unified online, in-store, and platform payment solutions across cards and alternative methods. As a broad incumbent, it competes with TripLink's virtual card and cross-border acceptance capabilities at the enterprise level, particularly for global travel and e-commerce merchants.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
TripLink social profiles
Digital presenceTripLink compliance and trust
Trust signalCompliance2 records
TripLink financial estimates
Financial estimateRevenue estimate
Valuation estimate
TripLink leadership team
Management profileNumber of profiles
TripLink funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TripLink M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TripLink
What does TripLink do?
TripLink is a B2B fintech company that issues virtual and physical commercial cards for cross-border payments, supporting 20+ currencies and both online and offline payment scenarios. The platform enables enterprise clients—including travel suppliers, e-commerce merchants, advertising buyers, and corporate finance teams—to manage B2B payments with customizable spending limits, real-time transaction controls, and automated reconciliation. Products are accessed via API/SDK integration, a self-service web portal, and mobile wallet tokenization, and are distributed globally through a partnership with Visa.
Is TripLink a public or private company?
TripLink is a private company. It is classified as corporate owned and is currently operating.
When was TripLink founded?
TripLink was founded in 2018. It employs 11 to 50 people.
Where is TripLink based?
TripLink is headquartered in Hong Kong, Hong Kong SAR China, in the Asia region.
How does TripLink make money?
Two revenue lines are on record. Virtual Commercial Card Transaction Fees are the primary driver. The others are card Issuance and Management Services.
Who are TripLink's main competitors?
Direct peers on record are Stripe Issuing, Brex, Nium, PingPong, Airwallex, Ramp and Marqeta. Broad incumbents are Corpay, Wise (formerly TransferWise) and Adyen.
Does TripLink have an API?
Yes. TripLink provides a public API for developers to integrate cross-border payment capabilities. The API supports card creation, transaction management, and payment operations. SDK includes customizable components for Java integration. Stable and scalable API integration is offered with sandbox environment available at sandbox.triplinkintl.com. Developer documentation is at api.triplinkintl.com/docs/api.
What industry is TripLink in?
TripLink's product category is Cross-border Payment Infrastructure. Its primary akta.pro industry code is THALAHAD, B2B Travel Credit, Invoice & Settlement Solutions, with a secondary code of FSAMAIAB, SME & Business Cross-Border Payments (B2B). Its NAICS code is 56159 and its SIC code is 4731.