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Agoda

Provider
Travel

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 1 company across 1 category.

agoda.com ↗Also analysed as a company — its own stack →
CategoriesTravel
Rank#6 of 8 in Travel
Buyers1 company
HeadquartersSingapore (36 Robinson Road, #20-01 City House, Singapore 068877); global operations in Bangkok, Thailand
Founded2005

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Founders & story · from Agoda’s own dossier

Founded in 2005 as an Asia-focused hotel booking platform, Agoda was acquired by Priceline in 2007 and became Booking Holdings' primary APAC brand. Over time, it evolved from a pure OTA into a broader digital travel platform supporting 200+ payment methods globally, embedding BNPL options (Affirm, Atome), cross-border payout infrastructure (Wise Platform), and a self-issued virtual card settlement program for hotel partners (with JPMorgan). The embedded finance layer — spanning consumer BNPL, cashback payouts, travel insurance (Cover Genius), and in-house B2B virtual card settlement — is now a core part of Agoda's competitive differentiation in APAC.

Latest round: Acquired by Priceline (now Booking Holdings) in 2007
Recent developments
  • 2023-11Wise Platform partnership announced to enable cross-border cashback payouts for travelers directly into local bank accounts via the Agoda app. source ↗
  • 2025-11Agoda Platform Terms of Use updated to version 6.1, effective November 2025, incorporating AgodaCash, PointsMAX, and Australia eftpos debit payment terms. source ↗
  • 2026-04Agoda Privacy Policy updated in April 2026 reflecting current data practices. source ↗
  • 2023-10-01Enhanced B2B travel payments via a Mastercard partnership. source ↗
Full dossier: Agoda’s own stack, layer by layer →
Who uses Agoda
1 company disclose Agoda in their stack
Citi
What the disclosures say
Citi
“Citi Travel with Booking.com: Citi's ThankYou travel portal built by Rocket Travel by Agoda (Booking Holdings), live March 2023 (https://www.rockettravel.com/blog-articles/citi-launch-announcement)”
View source · rockettravel.com ↗
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What Agoda runs on · from its own dossier
The third-party providers Agoda itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Agoda.
PSP
Adyen
Card Issuing
JPMorgan
Lending
Affirm
Insurance
Cover Genius
FX / Payouts
Wise PlatformJPMorgan
FX API
Wise Platform
Full dossier with evidence for each layer →
Alternatives to Agoda

Other Travel providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Duffel7 buyers →Expedia5 buyers →Hopper5 buyers →Spotnana3 buyers →Navan2 buyers →Nuitée1 buyer →Priceline1 buyer →
Share this rank

An embeddable badge for Agoda’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #6 of 8 in Travel — Embedded Finance Index 2026
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<a href="https://www.embeddedfinanceindex.com/vendors/agoda?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/agoda.svg"
       alt="Ranked #6 of 8 in Travel — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/agoda/install" width="1" height="1" alt="" style="display:none">

Agoda — frequently asked

Which companies use Agoda?

1 company is linked to Agoda in the Embedded Finance Index 2026, through their own public disclosures or Agoda's published customer list, including Citi.

What does Agoda do?

Agoda is an embedded-finance provider in Travel. It ranks #6 of 8 Travel providers by linked companies.

What are the alternatives to Agoda?

The most-named Travel alternatives to Agoda are Duffel (7 buyers), Expedia (5 buyers), Hopper (5 buyers), Spotnana (3 buyers), Navan (2 buyers) and Nuitée (1 buyer).

Where is Agoda headquartered?

Agoda is founded in 2005 and headquartered in Singapore (36 Robinson Road, #20-01 City House, Singapore 068877); global operations in Bangkok, Thailand.

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