“Leading risk protection for the Australian travel industry”

The AFTA Insolvency Chargeback Scheme Limited (AICS) is a member focused non-profit organisation, established by the Australian Federation of Travel Agents Limited (AFTA). AICS is a mutual scheme providing risk protection products and services to support its AFTA Travel Accredited Scheme (ATAS) members.

AICS seeks to mitigate the Prepayment or Forward Delivery Risk which is one of, if not the, most significant uninsured exposures for businesses such as travel agents where a consumer chooses to pay using a scheme credit and debit card. This risk has led to significant additional costs for travel agents in the form of bonds and guarantees, requested by acquirers to obtain merchant facilities. In some instances, acquirers have not provided travel agents merchant facilities specifically because of the Forward Delivery Risk. AICS has been designed to be a compliant and cost effective scheme offered only to ATAS accredited travel agents to assist and maintain current payment options for consumers.

How AICS can help

By working together AICS uses the combined purchasing power of its members to spread the cost of managing risk in relation to credit card chargeback and to provide additional coverage and other benefits in areas where traditional insurance providers will not cover.

Our Members

AICS Membership is exclusively available to AFTA members who hold a current ATAS accreditation.

The member owned structure also enables AICS to tailor risk management products and services to meet the changing needs and emerging risks of the travel industry.


AICS is a member focused non-profit organisation, which provides ATAS accredited members with access to innovative risk protection.

Join AICS today!