Timeshare resale merchant accounts UK

High-ticket value, advance-fee structures and historic mis-selling complaints drive elevated chargeback exposure. Card networks treat the vertical as adjacent to advance-fee categories that have triggered scheme-level enforcement.

Legal status (UK)

Legal in UK subject to the Timeshare, Holiday Products, Resale and Exchange Contracts Regulations 2010. Upfront-fee restrictions apply to resale and exit services; 14-day cooling-off period mandatory.

Acquirers accepting

  • Specialist timeshare-vertical acquirers
  • Trust Payments (selectively)
  • Selected ISOs with travel-adjacent programmes

Typical pricing

Rate
3.0% to 5.5% blended
Settlement reserve
10% to 20% rolling reserve standard

Watch outs

  • Upfront-fee restrictions under the 2010 Regulations must be honoured; structure resale fees on completion where possible.
  • 14-day cooling-off period must be operable and evidenced.
  • Vulnerable-customer policy expected at onboarding given the demographic profile.
  • Section 75 credit-card protection exposure on historic mis-selling drives chargeback risk.

Last reviewed: 2026-05-18.