Turkish Airlines Inc.

Partnership Brings Split Payments to the Travel Industry via UATP's Ceptor^® Platform

LONDON and WASHINGTON, March 10, 2026 /PRNewswire/ -- Hands In, the UK-based split payment solutions provider and UATP, the global network that helps organizations simplify payments and expand their payment options, today announced a strategic partnership allowing airlines to activate Hands In's proprietary split payments API to combine multiple cards, payers, and payment methods for one payment.

The collaboration brings together UATP's position as a leader in aviation payments infrastructure with Hands In's rapidly adopted split payment functionality helping airlines      modernize checkout without disrupting their current payment architecture.  Across travel and other high-value commerce sectors, these capabilities help merchants recover transactions that would otherwise be lost due to insufficient funds or card limits while enabling larger purchases and shared bookings.   

Samuel Flynn, CEO of Hands In, stated, "Airlines do not want another complex integration. They want functionality that works within their existing infrastructure. By embedding directly into UATP's Ceptor, Hands In is making split payments that combine multiple cards, payers, and methods accessible at a global scale, not only from an enablement perspective but also reconciliation, which is the major challenge for airlines accepting split payments today."

Through this partnership, airlines across the globe will be able to offer travelers the ability to split the cost of flights and ancillary services between cards and payment methods, directly at checkout, without needing internal development for this functionality. 

"UATP continues to lead in payments innovation. Integrating Hands In into the Ceptor platform allows us to offer airlines enhanced flexibility to travellers at checkout while preserving the integrity and reliability of our Network," stated Ralph Kaiser, President and CEO of UATP.

As demand for flexible payment options continues to rise, particularly for higher-value travel purchases, this collaboration empowers airlines to increase conversion and approval rates, grow ancillary revenue, and improve customer satisfaction. Passengers benefit from greater financial flexibility and transparency, while airlines maintain full control over the customer experience within their own branded environment.

As airlines continue to innovate in retailing and digital transformation, this partnership sets a new standard for flexible, customer-centric payment experiences in the aviation sector.

For more information, visit https://www.handsin.com/ and uatp.com

UATP media contact:   Wendy Ward, wward@uatp.com

Hands In media contact:  hafsa@handsin.com

About Hands In

Hands In is a UK-based payment solutions company specializing in split payment enablement, which combines multiple cards, payment methods, and payers into one payment for the travel industry.  Founded in 2022, Hands In enables merchants to unlock incremental revenue from adding new sales at checkout and recovering payment declines without changing their existing payment stack.  Learn More: https://www.handsin.com/

About UATP

UATP is one of the largest global and most secure closed-loop networks, simplifying payments in complex industries. We make it easy for businesses to make or accept any type of payment; open new markets, drive growth, and reduce costs for Issuers, Merchants, vendors, agents, aggregators, and more. UATP is continually innovating to connect companies to new forms of payment (AFPs), and our easy-to-use data tools, DataStream® and DataMine®, provide comprehensive account details to Issuers and Corporate Account Holders. Our team has decades of experience with the ever-changing payments landscape, and our reliable and proven technology ensures our global customers get more from every payment experience. Learn more at uatp.com.

Accepted as a form of payment for corporate business travel worldwide by airlines, travel agencies, and Amtrak®; UATP accounts are issued by: Aeromexico; AERTiCKET; Air Canada (TSE: AC); Air China; Air New Zealand (ANZFF.PK); Air Niugini; AirPlus International a wholly owned subsidiary of SEB Kort; Akbar Travels; American Airlines (NASDAQ: AAL); APG Airlines; APG Pay; Austrian Airlines; BCD Travel; China Eastern Airlines (NYSE: CEA); ConnexPay; Delta Air Lines (NYSE: DAL); EL AL Israel Airlines; Ethiopian Airlines; Etihad Airways; Fareportal; Flight Centre Travel Group; Frontier Airlines; GOL Linhas Aereas inteligentes S.A. (NYSE: GOL and Bovespa: GOLL4); Hahn Air; High Point Travel; Hopper; Japan Airlines (9201:JP); JetBlue Airways; LATAM Airlines; MakeMyTrip; Qantas Airways (QUBSF.PK); Shandong Airlines; Sichuan Airlines; Southwest Airlines; Sun Country Airlines; TUIfly GmbH; Turkish Airlines (ISE: THYAO); United Airlines (NASDAQ: UAL); Wego; WestJet; Wings Global Travel and W2 by GO7.

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Solution gives merchants greater payment flexibility and streamlined operations at the network level, powered by Mica's patented technology.

WASHINGTON and AUSTIN, Texas, Feb. 19, 2026 /PRNewswire/ -- UATP, the global network that helps organizations simplify payments and expand their payment options, has partnered with credential-less payments infrastructure provider Mica to launch multi-tender payment capabilities for merchants. Powered by Mica's patented payment technology and delivered through UATP's global payment platform, the new network solution enables merchants to intelligently allocate a single booking across multiple payment types in one transaction, while keeping settlement and reconciliation streamlined.

The solution brings together multi-tender orchestration, card authentication, intelligent payment routing, processing and automated reconciliation within a single, network-level payment flow. Merchants can combine cards, account-to-account payments, vouchers, coupons, loyalty currencies, and other stored-value instruments in one transaction, improving booking allocation and simplifying back-office operations.

The multi-tender payment solution incorporates patented credential-less tokenization and payment technology, which eliminates stored credentials entirely, removing a primary target for fraud and account takeover attacks. Unlike traditional tokenization, this approach generates ephemeral, single-use keys that cannot be intercepted or reused, enabling secure and flexible payment experiences across channels. This expands UATP's Ceptor capabilities to all channels including in-store, in-airport and in-flight purchases. The partnership solves a growing demand for payment optimization across retail and travel verticals alike. By operating at the network-level, UATP gives merchants a way to modernize their payment stack without disrupting existing acquiring, gateway, or settlement relationships.

"Merchants want to expand payment choice without adding complexity or cost," said Ralph Kaiser, President and CEO of UATP. "Our proven infrastructure, combined with Mica's technology, helps merchants adopt new payment models efficiently, even in the most complex business environments. By delivering multi-tender and credential-less capabilities as a network solution, we enable merchants to orchestrate multiple forms of payment within a single transaction, while keeping settlement, reporting, and reconciliation fully streamlined across the UATP platform."

The rule-based network capabilities allow merchants to decide how to allocate a basket total across various tenders, such as loyalty currencies, stored value, or alternative methods, before routing any remaining balance through card or account-based rails. With this flexibility, merchants can accept a broad range of payment forms, including stablecoin, account-to-account transfers, and traditional methods, all through a single platform optimized for online, in-app, and in-person use.

"Merchants have been forced to choose between payment flexibility and fraud protection. With Mica's credential-less tokenization and multi-tender payments technology now available through UATP's global network, they no longer must compromise. We are eliminating credential exposure that fuels massive payment fraud, with a more powerful payment experience with multi-tender orchestration, something legacy payment systems simply cannot deliver." said Mike Ward, CEO of Mica.

Because the capabilities are delivered through UATP's network, merchants maintain their existing acquiring, gateway, and settlement relationships while gaining access to new multi-tender orchestration and credential-less tokenization and payment technology. The solution will help drive payment innovation across the ecosystem as multi-tender adoption grows.

Media Contacts:

UATP: Wendy Ward, CMO, UATP, wward@uatp.com

Mica: Christopher Loughlin, CGO, Mica, christopher.loughlin@mica.io

About UATP

UATP is one of the largest global and most secure closed-loop networks, simplifying payments in complex industries. We make it easy for businesses to make or accept any type of payment; open new markets, drive growth, and reduce costs for Issuers, Merchants, vendors, agents, aggregators, and more. UATP is continually innovating to connect companies to new forms of payment (AFPs), and our easy-to-use data tools, DataStream® and DataMine®, provide comprehensive account details to Issuers and Corporate Account Holders. Our team has decades of experience with the ever-changing payments landscape, and our reliable and proven technology ensures our global customers get more from every payment experience. Learn more at uatp.com.

Accepted as a form of payment for corporate business travel worldwide by airlines, travel agencies, and Amtrak®; UATP accounts are issued by: Aeromexico; AERTiCKET; Air Canada (TSE: AC); Air China; Air New Zealand (ANZFF.PK); Air Niugini; AirPlus International a wholly owned subsidiary of SEB Kort; Akbar Travels; American Airlines (NASDAQ: AAL); APG Airlines; APG Pay; Austrian Airlines; BCD Travel; China Eastern Airlines (NYSE: CEA); ConnexPay; Delta Air Lines (NYSE: DAL); EL AL Israel Airlines; Ethiopian Airlines; Etihad Airways; Fareportal; Flight Centre Travel Group; Frontier Airlines; GOL Linhas Aereas inteligentes S.A. (NYSE: GOL and Bovespa: GOLL4); Hahn Air; High Point Travel; Hopper; Japan Airlines (9201:JP); JetBlue Airways; LATAM Airlines; MakeMyTrip; Qantas Airways (QUBSF.PK); Shandong Airlines; Sichuan Airlines; Southwest Airlines; Sun Country Airlines; TUIfly GmbH; Turkish Airlines (ISE: THYAO); United Airlines (NASDAQ: UAL); Wego; WestJet; Wings Global Travel and W2 by GO7.

About Mica

Mica is building the infrastructure for how commerce moves value. Designed as modern payment infrastructure at the network layer, Mica can dramatically enhance or replace legacy card-based rails with a credential-less, multi-tender transaction model built for the realities of digital and physical commerce. The platform enables secure, flexible transactions across channels while preserving existing acquiring, gateway, and settlement relationships—allowing merchants and networks to modernize without disruption.

Mica offers patented credential-less tokenization and payment services extensible via APIs. Within a single payment rail Mica can support on-line, in-app, P2P and in-store use cases across any form of value; debit, credit, loyalty, crypto, closed loop, stablecoins, etc. By removing structural constraints embedded in traditional payment systems—rigid tender models, credential exposure, and operational friction—Mica gives merchants, networks, and platforms the ability to orchestrate how value is exchanged with greater intelligence, control, and scale. Learn more at www.mica.io.

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SOURCE UATP