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Expedia Taps Upgrade’s FlexPay to Bring Cruise Vacations to Travelers

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  • Expedia is partnering with fintech company Upgrade to offer Flex Pay, a BNPL solution that lets travelers pay for cruises in monthly installments, making luxury vacations more accessible.
  • Flex Pay supports payments across Expedia’s platforms and 750 travel and retail brands.
  • The partnership will assist travelers in managing their costs and will help cruise operators boost bookings, conversions, and order values.

Online travel booking company Expedia is partnering with mobile banking and lending fintech Upgrade to make its cruise booking services more accessible.

Specifically, Expedia is using Flex Pay, Upgrade’s buy now, pay later (BNPL) solution to enable travelers to pay for their cruise vacations in monthly installments. Consumers in the US and Canada will be able to book cruise experiences on 750 travel and retail brands via Expedia Cruises, Expedia.com, Travelocity.com, Orbitz.com and Cheaptickets.com using Flex Pay.

“We believe travel should be accessible to everyone,” said Expedia Cruises President Matthew Eichhorst. “With the introduction of Flex Pay, we’re not just offering payment options; we’re opening doors to experiences that once may have seemed out of reach. By allowing travelers to spread costs over time, we’re making dream cruises more attainable and enabling the exploration of the world on one’s own terms.”

Formerly known as Uplift, Flex Pay partners with Celtic Bank, Uplift, and Uplift Canada to allow travelers to finance their cruise vacation by spreading their payments over three to 24 months with no interest. While consumers benefit from a more approachable way to pay for their cruise, the cruise brands themselves also benefit. That’s because Flex Pay’s financing has proven to increase booking volume, conversion, and order value by 15% to 25%.

“This partnership builds on the success of our cruise division, which achieved a 23% year-over-year growth in bookings in 2024, driven by both increased volume and order value,” said Flex Pay President Tom Botts. “With products like no-interest loans and on-board financing, we take pride in helping partners like Expedia Group and their cruise lines expand their reach, attract more customers, and boost revenue.”

Founded in 2017, Upgrade is a digital banking platform headquartered in California. The company offers checking and savings accounts, personal loans, credit cards, and rewards programs that focus on low fees and responsible credit usage to help consumers improve their financial lives. Upgrade has served millions of customers and has facilitated over $35 billion in credit with tools such as its Upgrade Card, which encourages customers to pay off balances quickly and avoid revolving debt and build credit responsibly. Upgrade also offers cashback rewards, competitive savings rates, and credit monitoring tools, positioning itself as a customer-friendly alternative to traditional banks.

Upgrade launched the Flex Pay brand in 2024, rebranding it from Uplift. The BNPL tool serves 750 travel and retail brands, helping them to increase their customer engagement, loyalty, and consumer spending by offering more flexible payment options.

The partnership between Expedia and Upgrade is a prime example of how fintechs are expanding beyond traditional banking services into everyday spending categories, providing financial tools at the point of sale rather than only at the point of need.

The news comes at a time when the BNPL market, while not slowing, is experiencing a maturation. Regulators in the UK and Europe are more closely scrutinizing BNPL tools, while BNPL pioneer Klarna is reportedly set to file a $1 billion-plus IPO as early as next week. Despite the signs that BNPL is maturing, however, it does not seem to be slowing down, especially as consumers find themselves cash-strapped and credit-starved.


Photo by Samson Bush


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Mexico’s Secretary of Tourism Discusses the Country’s New Take on Tourism

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Travel is booming in Mexico. According to the nation’s Ministry of Tourism, 39.4 million international visitors arrived in Mexico between January and May, a 14.2% jump from the same period last year. 

Mexico’s president, Claudia Sheinbaum, is aiming for even greater growth, with a goal of making Mexico the world’s fifth most-visited country by 2030 — as part of a wide-ranging plan, dubbed Mexico 2030, that focuses on economic development in various sectors. 

Leading the government’s charge in the tourism sector is Josefina Rodriguez Zamora, who was appointed Mexico’s secretary of tourism in October 2024 after serving as secretary of tourism for the state of Tlaxcala from 2021 to 2024. 

In this interview, Rodriguez discusses various challenges, as well as the ministry’s new take on tourism — which includes a stronger focus on local communities and sustainability, a new tourism campaign and greater collaboration with travel advisors. 

President Sheinbaum has been in office since October 2024. How would you describe the new administration’s approach to tourism? 

With the government of President Claudia Sheinbaum, tourism is recognized as a pillar of sustainable development. We’ve strengthened interagency coordination, prioritized sustainable investment and ramped up international promotion with new campaigns. The shared prosperity vision remains, but with an even stronger focus on innovation, inclusion and sustainability.

RELATED: Tianguis 2025 Showcases Mexico’s Tourism Growth

The arrival of President Claudia Sheinbaum represents continuity of a national plan with a social vision that’s inclusive and deeply committed to the wellbeing of all Mexicans. Today … we’re establishing a new stage for national tourism, with a focus that’s fairer, more modern and transformative.

One of this administration’s pillars is the strengthening of community tourism — not just as a development tool, but as a way to share the cultural, historical and natural richness of our communities with the world. We want tourism in Mexico to generate shared prosperity, to empower communities and preserve our traditions, languages, knowledge and ecosystems. 

How are you moving toward that goal? 

Technological innovation and the use of digital tools are fundamental for this new phase. We’re promoting online training platforms, intelligent promotion strategies and connectivity systems that allow more people to discover, experience and visit Mexico more easily. 

Tourism is now a national wellbeing strategy in Mexico.
Credit: 2025 Puerto Vallarta Tourism Board

The key difference is that now, tourism is no longer just an economic sector. It’s a national wellbeing strategy that honors our roots, promotes equity and advances the country toward a future that’s more sustainable, better connected and profoundly human.  

Hospitality knows no political borders. Tourism builds bridges.

Does political rhetoric in the United States affect Americans traveling to Mexico?

Mexico maintains a respectful and collaborative stance. What’s most important is that the American people continue to travel to Mexico enthusiastically and frequently. Hospitality knows no political borders. Tourism builds bridges. We focus on delivering experiences so positive that they overcome any prejudice or external rhetoric.

In Mexico City, the government has introduced new restrictions on short-term rentals to combat gentrification. How do you view these challenges? 

In Mexico, we firmly believe in tourism as a tool for coming together, for understanding and social development. We’re a supportive people, warm by nature and profoundly proud of our history, our communities and our landscapes. We like to welcome the people who visit as if they were coming home, because we’re great hosts by nature. 

Josefina Rodriguez Zamora (third from right) at the Guelaguetza festival in Oaxaca
Credit: 2025 SECTUR

But we also know that tourism must be responsible. That’s why the government emphasizes the importance of a tourist model that’s sustainable, environmentally respectful and aligned with the needs of local communities. Decrees protect natural areas, and policies support cultural and ecological preservation. 

It’s not just a matter of tourists enjoying our beaches, mountains, jungles and Magical Towns. It’s also about how we Mexicans can continue to enjoy and share these spaces for generations to come. We want tourism to coexist with its surroundings, not displace it; to strengthen local identity, not erase it.  

We want tourism to coexist with its surroundings, not displace it; to strengthen local identity, not erase it.

That’s why we work hand in hand with communities, emphasizing territorial fairness, so that tourism adds rather than subtracts — and so that tourism development benefits everyone. Our commitment is clear: to preserve what we are and what we have, and to continue proudly sharing it with the world.  

How can travelers have a positive impact when visiting Mexico?

We encourage travelers to shop locally, respect customs, avoid exploitative tourism and choose sustainable experiences. Traveling consciously transforms both the communities and the traveler who visits them.

RELATED: How to Better Understand — and Book — Sustainable Travel

How can travelers minimize the negative effects of overtourism? 

Mexico isn’t just a nation of sun and beaches — although our coasts are spectacular. We’re also a nation of mountains, jungles, deserts, volcanoes, living communities and towns with history and soul. That’s why we strongly promote community-based tourism: a more conscientious, responsible and respectful way to travel, both for the environment and for each destination’s cultural identity. 

These new tourism experiences allow visitors to connect with people, their traditions and their way of life, while at the same time supporting local wellbeing and inclusive development. It’s tourism with a purpose. 

RELATED: Visiting Indigenous Communities in the Yucatan Peninsula

There are 177 Magical Towns, each with its own unique charm. From the Huichol art in Nayarit to the living Maya traditions in Yucatan and the Otomi rituals in Hidalgo, Mexico offers routes that break away from the crowds and embrace authenticity. 

We invite travelers to explore these lesser-known destinations, to experience Mexico in the heart of its communities, to become part of a new form of tourism — one that transforms and leaves a mark, as much for those who experience it as for those who offer it. 

What should travel advisors and their clients know about safety and security in Mexico today? 

Mexico is currently experiencing one of its safest periods in years, with steadily declining crime rates that have boosted traveler confidence. This is reflected in the fact that more than half of the international tourists who visit are women, who choose Mexico as a safe and welcoming destination.

Mexico is currently experiencing one of its safest periods in years, with steadily declining crime rates that have boosted traveler confidence.

Thanks to the national security strategy and coordinated work among the three levels of government, this progress is also reflected in the consistent growth in international visitors, especially from the United States and Canada. Travelers come back not just for our beaches and culture; they also come back because they feel welcome and safe.

RELATED: Travel Advisors Report Growing Client Hesitation as Global Uncertainty Rises

Being aware that negative narratives still exist in some international media, we launched the Latidos del Mundo [Heartbeats of the World] campaign, a communication strategy targeting international travelers that conveys a message focused on peace, personal connection and Mexican authenticity. This campaign highlights our strengths: hospitality, natural and cultural richness and the safety that the nation offers as a tourism destination.

You’re looking to work closely with travel advisors. What are the goals of this year’s roadshow?

The Meet Mexico Roadshow 2025 is a very special tour. We’ll be in Chicago, Toronto, Dallas, Houston, San Francisco, Los Angeles, Montreal and New York to strengthen business ties, train travel advisors and showcase Mexico’s diversity beyond just sun and beach. Unlike previous editions, this tour focuses on cultural, culinary and health and wellness experiences, as well as newly emerging destinations. We’re sharing a unified message: Mexico as a country of authentic, safe hospitality, aligned with global trends of conscious travel.

How has the way you collaborate with U.S.-based travel advisors evolved? 

We’ve significantly strengthened our work with travel advisors in the U.S., building a strategic relationship that provides ongoing support and up-to-date information.  

The Secretary of Tourism offers various training courses and modules through official digital platforms, specifically designed for travel advisors, tour operators and industry professionals. These courses cover key topics such as emerging destinations, wellness tourism, cultural experiences and sustainability, aligned with our diversification strategy. Through these platforms, advisors can access multimedia resources, specialized itineraries and interactive tools to sell Mexico more effectively and distinctively.

Dates for the Meet Mexico Roadshow

Chicago and Toronto: Aug. 25–29 
Dallas and Houston: Sept. 9–13 
San Francisco and Los Angeles: Oct. 7–11 
Montreal and New York: Nov. 10–14 



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Tripadvisor award names Galashiels attraction one of the best in world

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The Great Tapestry of Scotland been named in top 10 per cent of visitor attractions in the world for the second year in a row in the Tripadvisor Travellers’ Choice Awards 2025.

Sandy Maxwell-Forbes, centre director, said: “This is testament to the passion, creativity, and hard work that our small team puts into creating a consistently five-star visitor experience.

READ MORE: Borders computing shop celebrates 30 years of business

“We are honoured to be celebrated both nationally, internationally and locally, and remain committed to providing an inspiring and inclusive experience for every visitor who walks through our doors.

“We would like to extend our deepest thanks to everyone who has taken the time to visit us, leave a review and share their experiences and of course the community which plays a key part in making the centre a success.

READ MORE: Popular bike shop in Borders town set to close

“Your kind words, support and enthusiasm have helped make this achievement possible and is important now more than ever as we continue to operate through a cost of living crisis.”

The awards are based on reviews through the Tripadvisor website from over the last 12 months.

Mags Fenner, project manager BID for Galashiels, the town’s business improvement district, said: “This world-class attraction puts Galashiels on the map as a cultural destination and draws visitors from near and far.

READ MORE: Restored rare globes feature in tour of reopened Borders house

“Local shops, cafés and restaurants have felt the benefit of increased footfall, with many visitors choosing to explore and support our high street after experiencing the tapestry.

“It’s also been inspiring to see school children from across the region engage with the tapestry as a rich and accessible way to learn about Scottish and Borders history and culture.

“We’re proud to have such a globally recognised centre at the heart of Galashiels.”





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Family forced to hide in their cabin during £8,000 cruise from hell | News UK

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The Wright family were trapped in their room to avoid the drunken passengers (Picture: Kennedy News and Media)

A ‘family-friendly’ cruise became a holiday from hell after a family were forced to hide in their cabin to escape hordes of drunk passengers.

Ian and Sally Wright, from Sunderland, had forked out £8,000 to get on board the MSC Cruise Virtuosa on July 12th for a two-week trip across Spain.

The believed the cruise was aimed at families so would be perfect for kids Jack, 11, and Molly, 8,as well as Sally’s mum.

However the holiday descended into chaos, with the other passengers said to have drunk ‘insane’ amounts of booze more suited for a nightclub.

The 41-year-old dad said: ‘We wanted to book this cruise because we thought it was a family ship. We thought it looked great for kids.

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‘It was worse than a Wetherspoons. It would take you half an hour to get a drink. It was just horrendous.

One drunken guest threw up next to the family’s table while they were playing Scrabble
(Picture: Kennedy News and Media)

‘It felt like an 18 to 30s club at times. If you were by the pool, you’d just hear constant swearing and people getting louder through the day.

‘We just thought “what have we spent our money on?” It became like Fawlty Towers.’

The author described how one family scrabble game was ruined when a drunken cruiser vomited next to their table.

He claimed it took staff an hour to mop up the ‘smelly’ mess.

The family claim they were forced to hide in their cabin (Picture: Kennedy News and Media)

MSC Cruises said they ‘regretted’ that the family’s experience did not meet their expectations and said they will be reaching out to ensure their ‘concerns are properly reviewed and addressed’. 

Beyond the drunken behaviour, things got worse when Iain’s kids Jack and Molly returned from the top deck ‘covered in black soot’, which Ian claimed came from the ship’s funnels.

Ian claimed: ‘We were leaving the port and the kids went up to the top deck to see if the water slides were open.’

‘While they were on that deck, it just rained down black stuff all over them. They came down to tell us and Jack’s skin was covered in black stuff, Molly’s swimming costume was stained all over her and it was on her arms.’

The substance even triggered an allergic reaction on the 8-year-old’s skin, with the family visiting the doctor to treat her hives.

The dad continued: ‘They said it was from the fumes because it was in the area where the fumes had touched her skin.

Ian claims Molly got an allergic reaction from the ‘soot’ (Picture: Kennedy News and Media)

‘She suffered with itching for 24 hours but it was a result of her being covered in this soot. It’s not acceptable.’

The horrified family then complained to staff but were allegedly told by staff ‘it happens sometimes’.

The shell-shocked family said they tried to leave the cruise halfway through in Majorca after they were sheltering in their rooms to avoid the ‘horrible’ atmosphere.

Dad Ian said there was ‘constant swearing’ and drunkenness which meant they had only 12 hours of fun over two weeks.

He demanded an apology and a partial refund.

Ian said there was ‘constant swearing’ and drunkenness on board (Picture: Kennedy News and Media)

Ian went on: ‘We spent most of the holidays just going out to eat and staying in our cabins because the atmosphere was just awful. There were no quiet areas. Everywhere was packed. 

‘We got back feeling quite disheartened. It was a lot of money. The kids were disappointed.’

An MSC Cruises spokesman said: ‘We take all guest feedback seriously and regret that the Wright family’s experience did not meet their expectations.

‘Their concerns were addressed directly by the team on board and they were encouraged to follow up with our Customer Service team after their trip for further assistance.

‘As we have not received any additional communication from them since then, our Customer Service team will now reach out to the Wright family directly to ensure their concerns are properly reviewed and addressed.’

Get in touch with our news team by emailing us at webnews@metro.co.uk.

For more stories like this, check our news page.



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