For travel agencies
Grow bookings without losing control of cash flow.
Pay suppliers today — without cash loans. KHATT structures the transaction, licensed partners fund and execute payment, and you keep the inventory, the margin and the customer relationship.
Why agencies join
Secure inventory earlier. Keep the cycle moving.
- Secure rooms, transport and group inventory earlier.
- Use a revolving programme limit, structured by KHATT and funded by licensed partners.
- Know the cost of the transaction upfront — fixed and disclosed.
- Build a travel credit history through clean performance.
- Manage payments, suppliers and margin in one workspace.
days — typical programme tenor (illustrative)
suppliers are paid directly through licensed partners — no unrestricted cash
transaction cost agreed upfront — no interest, no compounding
Programmes
A programme for every travel cycle.
Structured by KHATT and funded by licensed partners — subject to risk, legal, regulatory and Sharia approval.
Umrah Rolling Programme
Recurring 30–120 day cycles for hotel, transport and ground-service obligations.
Hajj Peak Programme
A larger annual programme for concentrated supplier payments and allocations.
Halal Leisure Supplier Pay
Hotels, resorts, DMCs and transport for family and Muslim-friendly travel.
Hotel Allotment Programme
Deposits for room blocks and high-demand dates.
Air Block Programme
Group airfare and PNR obligations.
Ramadan / Eid Programme
Short-tenor cycles for peak Ramadan and Eid travel programmes.
MICE & Group Programme
Corporate, community and project-based travel.
Eligibility
Who can apply
- Licensed travel agency or operator.
- Verified owners and bank accounts.
- Confirmed supplier obligations and supporting evidence.
- Demonstrable customer demand or deposits.
- Willingness to route supplier payments through the KHATT workflow.
- Subject to risk, legal, regulatory and Sharia approval.
Pilot discipline. During the pilot, every transaction is manually reviewed and sampled under the Sharia governance process. Decision speed depends on the quality of evidence — we make no service-level promises at this stage.
What we will ask for
- Legal entity and country — registered name, company number, jurisdiction.
- Licence and accreditation — travel licence; Nusuk or relevant accreditation where applicable.
- Years operating — completed operating history and markets.
- Monthly / annual GMV — travel sales and customer collection profile.
- Requested programme — amount, tenor and supplier purpose.
- Supplier evidence — invoices, contracts, allotments and confirmations.
- Customer demand — bookings, deposits and payment schedule.
Apply for the pilot programme.
Tell us about your licence, markets, supplier obligations and expected monthly travel volume.