“Can a globally diversified hospitality group consolidate its multi-region, multi-currency payment infrastructure onto a single embedded-finance platform while layering BNPL and flexible payment options to drive direct bookings and reduce distribution costs?”
Minor Hotels began as a Thailand-headquartered hotel owner-operator with a focus on Asia Pacific. Through the 2019 acquisition of NH Hotel Group it became one of Europe's largest hotel chains and rebranded the European entity as Minor Hotels Europe & Americas. The group has since pursued an aggressive embedded-finance modernization, consolidating a fragmented regional payment stack onto Airwallex's global acquiring platform and adding BNPL (Klarna) for European guests, reflecting a shift from hospitality-only operations toward a tech-forward, finance-integrated guest experience model as it scales toward 900 properties.
Minor Hotels processes payments through 2C2P and Airwallex.
Minor Hotels uses Airwallex for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 5 layers in Minor Hotels's stack: Payments / PSP (2C2P and Airwallex); Lending (Pay-in-three interest-free installments (Klarna, Europe)); Unified APIs (Airwallex); FX & payouts (Airwallex); Treasury (Airwallex).
Minor Hotels is headquartered in Bangkok, Thailand.
Get a read on where your own stack stands against Minor Hotels and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.