TMU Management | Embeddable Business Protection

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What We Do

TMU Management delivers intelligent embedded insurance solutions that protect and strengthen the financial infrastructure of travel companies, payment providers and FX brokers. Our products are designed to integrate seamlessly into existing systems, supporting compliance, reducing exposure and enhancing resilience.

We do more than insure transactions. We embed confidence across your entire value chain.

Specialists in Embedded Insurance

Our approach is driven by expertise and insight. TMU works in partnership with clients to design tailored insurance cover aligned with regulatory obligations, operational models and commercial priorities. From chargeback liability and pipeline funds protection to FX settlement risk, we help future-proof how you operate. Our insurance is never off-the-shelf. It is customised, strategic and built to perform in real time.

For the Travel Sector

TMU Management safeguards pipeline funds, supports repatriation and provides cover that meets the requirements of merchant acquirers and regulators. We look beyond the obvious exposures, working with you to identify and address the weak points others may overlook.

Whether you are a tour operator, OTA, travel group, airline, cruise line or any company within the travel industry, our embedded solutions are designed to protect your operations and safeguard your reputation.

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For Payment Institutions

Payment providers and acquiring banks require protection that keeps pace with high-volume, high-risk environments. TMU’s Acquirer Chargeback Insurance is designed specifically to mitigate losses arising from merchant insolvency-related chargebacks.

This policy embeds directly into card processing infrastructure and merchant discount rates, delivering real-time protection that scales with your operations.

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For the FX Market

TMU Management delivers settlement risk cover for FX brokers exposed to client non-performance in SPOT, Forward, and Derivative trades. Our solution protects against financial loss when clients fail to settle and market movements turn against the hedged position.

Built for high-speed, high-exposure markets, our cover gives brokers the security to trade with confidence, even in volatile conditions.

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Why Choose TMU Management

At TMU Management, we go beyond traditional insurance by embedding intelligent risk solutions directly into operations. That is why leading travel companies, payment providers and FX brokers trust us:

Our solutions integrate with existing systems, ensuring frictionless onboarding and uninterrupted operations.
We help strengthen financial foundations by reducing exposure and supporting long-term stability.
Products are designed to meet evolving regulatory standards, giving you confidence in a complex landscape.

Our Clients

TMU Management supports travel companies of all kinds, payment providers and FX brokers with embedded risk solutions that deliver real-time protection. From pipeline fund security to settlement risk cover, our clients operate with the assurance that their exposures are managed effectively.

Our solutions are scalable, resilient and built for fast-moving markets.

Our Latest Case Studies

Our work spans industries where credit risk is complex and fast-moving. From protecting travel businesses against pipeline fund exposure, to helping payment providers reduce chargeback risk, to enabling FX brokers to manage settlement risk, TMU delivers solutions that safeguard revenues and strengthen resilience.

Each case demonstrates our ability to design tailored cover that meets sector-specific challenges and supports long-term growth.

Xander Pay

TMU and Xander Pay embed insurance-backed payment protection to secure hotel-agent settlements, improve liquidity and reduce financial risk.

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Travel Ledger

TMU and Travel Ledger embed protected payments insurance into the platform to secure agent-supplier settlements, improve liquidity and enhance trust.

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Travel Counsellors

See how TMU helped Travel Counsellors embed supplier airline failure insurance, safeguarding client funds and boosting trust globally.

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Latest News & Insights

Stay ahead with TMU Management's latest updates, expert analysis and industry insights. Discover how shifting risks, regulations and innovation are shaping the future of embedded insurance.