Hands In, the split payment solutions company transforming high-value and group transactions, has announced a strategic partnership with Outpayce from Amadeus, one of the world’s leading travel payments specialists.

Through this collaboration, Outpayce’s extensive network of airline and travel merchants can now integrate multi-card payments, creating new revenue opportunities and offering travellers a more flexible, choice-rich way to complete bookings. 

This announcement follows Hands In’s partnership with a Tier 1 Middle Eastern airline, which is set to launch this year, with support from Outpayce from Amadeus. Together, the companies are generating strong interest, reinforcing that split payments are now a truly global solution available across multiple markets and regions.

Multi-Card Payments: Tackling The Problem of Insufficient Funds For Global Airlines

Through this partnership, airlines using Outpayce as a payment orchestrator will be able to offer split payments across two or more cards directly at the payment page. This functionality reduces payment declines caused by insufficient funds or card limits,  an issue highlighted by Ethoca (Mastercard) research and reflected across Hands In’s case studies, which show that over 40% of airline payment declines stem from insufficient funds. 

How It Works:

1. The traveller selects “Pay with multiple cards” at checkout.

2. Hands In splits the total amount securely across two or more cards.

3. The traveller enters their first card details.

4. The payment is authorised, with 3DS triggered if configured by the merchant.

5. The traveller repeats this process for each additional card.

6. Once the full booking amount is authorised, Hands In captures the payment instantly.

7. Tickets are issued, and all split payments are automatically reconciled at the booking level.

This setup allows travellers to combine personal and corporate cards, debit and credit cards, or even different currencies, ensuring the booking succeeds rather than fails. For airlines, it supports higher-value purchases (e.g., premium cabins) and drives incremental revenue from bookings that would otherwise decline due to insufficient funds. 

How Outpayce Customers Access Split Payments

Through the integration with Outpayce, merchants can now access Hands In’s full suite of split payment solutions with no additional technical effort required. Offered as an alternative payment option within the Outpayce Xchange Payment Platform (XPP), Hands In enables split payments directly through the Outpayce checkout experience, allowing travellers to share costs or split transactions across multiple cards. 

“Outpayce sets the tone for how airlines design and evolve their payment strategy   and we’re thrilled to contribute by focusing on split payments and decline recovery; capabilities we’ve pioneered in close collaboration with Air Europa over the past few years,” said Samuel Flynn, CEO of Hands In. “Our partnership with Outpayce from Amadeus further strengthens our position as a global leader in split payments, bringing flexibility and reliability to travel merchants worldwide.”

“Travel merchants are under more pressure than ever to deliver frictionless customer experiences, and payments are a crucial part of that journey,” said Damian Alonso, SVP, Head of Product & Partnerships at Outpayce from Amadeus. “As the industry embraces the Offer and Order model, partnering with Hands In allows us to bring true flexibility to the checkout, from multi-card and split payments to decline recovery, helping  merchant partners, such as airlines reduce failed transactions and capture revenue that would otherwise be lost.”

Why Split Payments Matter in the Offer and Order Model

As airlines transition to the Offer and Order model, payment flexibility has become a critical dependency rather than an optional enhancement. A single order can represent multiple travellers, products, and payers. Yet without split and multi-payer payment capabilities, airlines are forced to resort to workarounds that undermine the very model they are trying to adopt.

Split payments ensure the financial reality of a booking matches the order reality. Families splitting across multiple cards, groups each paying their own share, corporate travellers combining corporate and personal cards for fares and extras, or loyalty points used alongside cards, all require the ability to support multiple payment instruments within a single order. Without this, checkout friction increases, soft declines due to insufficient funds rise, and high-intent bookings are lost.

Within an Offer and Order environment, split payments also strengthen the audit trail by keeping all payments, refunds, and adjustments tied to one order, rather than fragmented across tickets or documents. This is particularly important as airlines face increasing regulatory pressure to process refunds quickly and accurately, something that remains challenging with manual, document-driven processes.

By embedding modern payment behaviour directly into the Offer and Order lifecycle, this approach allows airlines to progress toward the model’s full promise, without sacrificing revenue, operational control, or customer experience.