Deposits, folios, no-shows. Lodging payments are their own animal.
Hotels, inns, B&Bs and short-term rentals run authorizations, incidental holds and multi-night folios that most processing setups handle badly. The tickets are large, the fees ride high, and the way the holds and adjustments are configured quietly decides what you pay.
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What lodging operators are up against
Authorizations and incidental holds
A pre-auth at check-in, an incidental hold, then an adjusted charge at checkout. Configure that flow wrong and transactions downgrade to the priciest rate while guests complain about holds on their card.
Big folios, multi-night stays
A four-night stay plus dining and incidentals is a large ticket, and the card has to stay on file and settle cleanly across the whole folio, not be re-collected at the desk.
No-shows, cancellations and disputes
"I never stayed here." Lodging sees more of these than most, and the right deposit, cancellation-policy and receipt setup makes them winnable instead of automatic refunds.
OTA bookings versus direct
Booking.com, Expedia and Airbnb take their cut and control the payment. Every direct reservation you can take on your own processing keeps the commission and the rate in your hands.
The program fit
Interchange plus
Details →Transparent pass-through pricing plus a small disclosed markup, the cleanest fit for high-ticket folios where flat rates bury the cost.
ACH and eCheck
Details →For group blocks, corporate and event bookings, a flat bank-to-bank fee beats a percentage on a large invoice.
Dual pricing
Details →Where it fits the property, a clear cash-or-card price keeps the cost of acceptance off your room margins. We'll tell you honestly whether it suits your guests.
The systems we'd quote
Virtual terminal
Details →Take phone reservations, store a card on file for the folio and deposits, and run keyed payments that settle across the stay.
Front-desk terminal
Details →A fast EMV and contactless terminal for check-in and checkout, programmed for your fee program before it ships.
Clover
Details →When the front desk wants payments, a restaurant or gift-shop tie-in and reporting in one system.
Fair questions
How do deposits and incidental holds work?
We configure the pre-authorization and incidental-hold flow so the hold is placed at check-in and adjusted to the final amount at checkout, settling at the correct interchange instead of downgrading, and without leaving surprise holds on a guest's card.
Can you keep a card on file across a multi-night folio?
Yes. The card stays securely on file for the length of the stay, so room, dining and incidental charges all settle to the folio cleanly without the desk re-collecting the number.
Do you integrate with my property-management system?
We match you to a processor whose payments and card-on-file work with your PMS, so reservations, folios and checkout reconcile back instead of being keyed twice.
How do no-show and "I never stayed" chargebacks get handled?
With the deposit, cancellation-policy disclosure and receipts set up correctly, these become winnable disputes rather than automatic refunds. We build that process with you.
Can I take more direct bookings off the OTAs?
Yes. We set up your own payment account for phone, website and repeat-guest reservations, so every direct booking keeps the OTA commission and runs on your negotiated rate.
What's the real saving for a property my size?
Send one recent statement. At lodging ticket sizes the gap between a listed rate and a negotiated one, plus fixing hold and folio downgrades, is usually thousands a year, and you'll see your exact number in writing first.
See what your property is really paying per stay.
One statement, 24 hours, your real number in plain English.