Inside this Article
What We Look For in the Best Credit Card Processing Companies for Hotels1. Leaders Merchant Services: Lowest Rates for Most Hotels2. PAYARC: Extensive Support for Processing International Payments at Any Volume3. ProMerchant: Best for Hotels That Take MOTO Payments4. POS Pros: Software and POS Equipment Tailored to Hotels5. Flagship Merchant Services: Best for High-Risk Hotels6. Stax: The Best Option for High-Volume Hospitality BusinessesThese Are the Best Credit Card Processing Companies for HotelsFAQ
Short on Time? These Are the Best Credit Card Processors for Hotels in 2023
- Leaders Merchant Services – Flexible pricing model that ensures the lowest rates for most hotels, free POS equipment, and a dedicated team to handle chargebacks.
- PAYARC – The most comprehensive support for hotels processing international payments and diverse pricing plans to meet your needs at any processing volume.
- ProMerchant – Two solutions for processing MOTO payments and high-risk merchant accounts at reasonable rates.
What We Look For in the Best Credit Card Processing Companies for Hotels
In addition to being easy to use, a credit card processor should have specific features to help improve the guest experience and make your job easier, such as the ability to support different payment methods and handle chargebacks. Here’s what I focused on when compiling my list:- Competitive and diverse pricing models. All the credit card processors on my list offer competitive prices and may even be willing to negotiate based on your needs. I also included processors with various pricing structures such as interchange-plus, tiered, and membership to help you find the best fit for your hotel.
- Strong security. A credit card processor should ensure all transactions are protected from fraud and guests’ data is protected from breach. All payment solutions on this list are PCI (Payment Card Industry) compliant at minimum, and many have additional security features such as risk monitoring, end-to-end encryption, GDPR (General Data Protection Regulation) compliance, chargeback management, and more.
- Modern equipment. I made sure to only include credit card processors with the most up-to-date, secure hardware that lets you accept a variety of payment methods. Some may even offer a free POS terminal under certain conditions.
- Value-added features for hotels. These processors offer a range of tools to manage your hotel, like a business dashboard, accounting integrations, and chargeback management assistance. They also supply a payment gateway for online bookings and a virtual terminal for over-the-phone payment collection. Additionally, they offer value-added features for hotels, such as payment scheduling and loyalty programs.
- Customer support. Having access to efficient customer support is a must when it comes to credit card processing, so all payment solutions on my list have responsive sales and technical support.
Free Card Reader

Best Credit Card Processor in 2023
Best Credit Card Processor in 2023
Negotiable Low Credit Card Processing Rates
Monthly Fee:
$9
Transaction Fee:
From 2% + 0¢
Pricing Model:
Multiple options
Multiple options
This payment processor allows you to choose from two or more different pricing models for paying credit card processing fees. Each model will come with its own advantages and disadvantages, so make sure to consider your options carefully before deciding which is right for your business.
Features and Benefits
- Fast onboarding. With LMS, you can start accepting credit card payments as soon as the same day you apply for a merchant account
- LMS funding. If you’re just starting out or need a cash injection, LMS provides merchant cash advances, which you can pay back through a small commission on your future sales.
- Hospitality integrationsPersonalized accounts. LMS offers services tailored to your industry, so you can benefit from hospitality-oriented features like gift cards and loyalty programs. If you use QuickBooks for accounting, you can access the Instant Accept feature, which lets you process any payment (card-present and mobile) in real time without launching QuickBooks.
- Authorize.net integration. For an additional monthly fee, you can integrate the popular Authorize.net payment gateway to your website and accept online payments, or use its virtual terminal to take payments over the phone.
Free POS terminal | ✔ (with long-term contract) |
Security | PCI compliant, advanced fraud detection and prevention, end-to-end encryption, tokenization, and chargeback management |
Customer support | 24/7 technical phone support |
Transaction fees on cheapest plan | ~2% + 0¢ |
Monthly fee on cheapest plan | $9.00 |




Custom Payment Processing Plans With No Hidden Costs
Monthly Fee:
From $69
Transaction Fee:
From 0% + 15¢
Pricing Model:
Multiple options
Multiple options
This payment processor allows you to choose from two or more different pricing models for paying credit card processing fees. Each model will come with its own advantages and disadvantages, so make sure to consider your options carefully before deciding which is right for your business.
Features and Benefits
- Business management dashboard. PAYARC provides a comprehensive dashboard, allowing you to monitor transaction history and manage payments. Additionally, you can access real-time data and analytics to assess your hotel’s performance.
- Advanced security. Hospitality businesses often store sensitive data, becoming targets for cybercriminals. PAYARC offers a comprehensive set of security tools, including thresholds, tokens, address verification, and encryption to protect guests’ data. You can also block activity from specific customers, locations, and IP addresses.
- Chargeback management. Chargebacks are common in the hotel industry due to frequent cancellations. PAYARC’s team is dedicated to helping you prevent and reduce chargebacks and will create a free chargeback mitigation plan for your business. Additionally, you can access more fraud and chargeback tools through PAYARC’s integration with Ethoca.
- Free POS. Depending on your selected plan, you might receive a free PAX A920 terminal. This elegant-looking device features a high-speed thermal printer, a long-lasting battery, and the ability to process transactions swiftly.
Free POS terminal | ✔ (with some plans) |
Security | Level 1 PCI-compliant, end-to-end encryption, tokenization, chargeback mitigation assistance, and fraud monitoring and prevention |
Customer support | 24/7 phone and email support |
Transaction fees on cheapest plan | 2.49% + 30¢ (in-person) |
Monthly fee on cheapest plan | N/A |
3. ProMerchant: Best for Hotels That Take MOTO Payments




Interchange-Plus & Zero Cost Processing Plans Ideal for Restaurants and Retail
Monthly Fee:
$7.95
Transaction Fee:
From 3% + 10¢
Pricing Model:
Multiple options
Multiple options
This payment processor allows you to choose from two or more different pricing models for paying credit card processing fees. Each model will come with its own advantages and disadvantages, so make sure to consider your options carefully before deciding which is right for your business.
Features and Benefits
- QuickBooks integration. Authorize.net offers automatic syncing of your daily transactions with QuickBooks, freeing up hours of administrative work from your schedule and ensuring accurate bookkeeping.
- Merchant account management. You can access comprehensive transaction management tools, including transaction history and reports, through the secure Payments Hub website. You can also manage voids and refunds and print, email, or text receipts.
- Zero-cost processing. If you have restaurants in your hotel, ProMerchant’s zero-cost processing program allows you to transfer the typical 4% processing costs directly to customers who pay with a card.
- Monthly contracts. Enjoy the flexibility of using ProMerchant’s services on month-to-month contracts with no cancellation fees, a particularly beneficial feature for seasonal hotels that shut down during the off-peak season.
Free POS terminal | ✔ |
Security | PCI-compliant, end-to-end encryption, tokenization, payer verification, advanced fraud detection and prevention |
Customer support | 24/7 phone and email support |
Transaction fees on cheapest plan | 3% + 10¢ (credit) |
Monthly fee on cheapest plan | $7.95 |




Specialized Point-of-Sale Solutions for In-Person and Online Sales
Monthly Fee:
From $5
Transaction Fee:
From 0.30% + 10¢
Pricing Model:
Multiple options
Multiple options
This payment processor allows you to choose from two or more different pricing models for paying credit card processing fees. Each model will come with its own advantages and disadvantages, so make sure to consider your options carefully before deciding which is right for your business.
Features and Benefits:
- On-the-go business management. 365villas is fully accessible on mobile devices, enabling you to manage your hospitality from anywhere.
- Credit card holds. You can use 365villas to place holds on credit cards, accounting for potential damages or other sundry charges incurred during a guest’s stay.
- Electronic payments. Access the Authorize.net payment gateway and virtual terminal through POS Pros at a fraction of the usual cost. You can use this reliable solution to process online or MOTO payments.
- Quick loan approval. If you choose POS Pros as your processor, you can access up to $500,000 in working capital to hire staff, renovate, and more. To qualify, your hotel should be over a year old and generate $50,000 annually or at least $4,200 monthly in the last quarter. Approval can take just 10 minutes.
Free POS terminal | ✔ |
Security | Level 1 PCI-compliant, tokenization, chargeback management, and fraud prevention |
Customer support | 24/7 support and POS technical help desk (with purchase of POS equipment) |
Transaction fees on cheapest plan | 0.30% + 10¢ (in-person) |
Monthly fee on cheapest plan | $5.00 |




Fast Onboarding & Quick Payouts With Same-Day Funding
Monthly Fee:
From $15
Transaction Fee:
From 1.58% + 19¢
Pricing Model:
Multiple options
Multiple options
This payment processor allows you to choose from two or more different pricing models for paying credit card processing fees. Each model will come with its own advantages and disadvantages, so make sure to consider your options carefully before deciding which is right for your business.
Features and Benefits
- Wireless mobile payments. Flagship’s wireless swiper allows you to take payments on the go, which is handy if you run a smaller accommodation business, such as a bed & breakfast or inn. You also get an app for iOS and Android devices that keeps track of cash and card transactions, refunds, and more.
- Account manager. When you set up your Flagship account, you’ll be assigned a personal account manager to walk you through all available services and answer any questions you might have.
- iAccess business management portal. This reporting tool gives insight into your sales, online reviews, and industry statistics, so you can assess your business’s health and see how well you stack up against the competition.
- API for customized e-commerce solutions. Flagship’s API allows you to integrate a shopping cart into your website without compromising your gateway’s security.
Free POS terminal | ✔ |
Security | PCI, GDPR, and CCPA compliant |
Customer support hours | Phone support only |
Transaction fees on cheapest plan | 1.58% + 19¢ (in person) |
Monthly fee on cheapest plan | $7.95 |
6. Stax: The Best Option for High-Volume Hospitality Businesses




Save Up to 40% on Credit Card Processing Fees
Monthly Fee:
From $99
Transaction Fee:
From 0% + 10¢
Pricing Model:
Subscription
Subscription
With subscription-style pricing, you’ll pay a fixed monthly fee instead of a percentage-based markup on each credit and debit card transaction. While this will considerably reduce your per-transaction fees, you’ll typically still pay a small flat fee on each transaction. This amount is unaffected by the variable interchange fees charged by the different card networks (e.g. Visa, Mastercard), helping to keep your payment processing fees more predictable.
Features and Benefits
- Process all types of payments. Stax’s free payment terminals accept several types of in-person transactions (swiped, keyed in, and contactless). You can also install Stax’s mobile app on your phone or tablet to use your own device as a terminal, which is quite handy for smaller hospitality businesses.
- Same-day funding. Stax’s paid add-on deposits payments in your merchant account on the day they’re made, which can be a big benefit for boutique hotels or new businesses that need a smooth cash flow.
- Accounting integrations. Stax integrates with apps like QuickBooks and Xero to make accounting administration easy. With QuickBooks’ integration, all your data is automatically synced so you won’t have to worry about reconciling payments.
- In-house customer support. In addition to a comprehensive knowledge base, Stax offers responsive sales and technical support through live chat, email, and phone, so you can get help quickly if any issues arise.
Free POS terminal | ✔ |
Security | PCI compliant, HIPAA compliant, advanced fraud detection and prevention, and more |
Customer support | Live chat, email, ticket, fax, and phone |
Transaction fees on cheapest plan | 0% + 10¢ (in-person) |
Monthly fee on cheapest plan | $99.00 |
These Are the Best Credit Card Processing Companies for Hotels
You can easily manage in-person and online payments with all the credit card processors on my list, ensuring top-grade security for your business and guests. However, the ideal payment processor for your specific business will depend on your unique needs. If you need an affordable processing solution, Leaders Merchant Services lets you negotiate prices and tailor your plan. In addition, you’ll gain access to industry-specific features to enhance guest engagement, including gift cards and loyalty programs. LMS also provides a dedicated chargeback management team available 24/7 to support your hotel business. If you often host guests from abroad, PAYARC provides reliable international processing. PAYARC’s dynamic currency conversion feature allows guests to pay in their local currencies, ensuring convenience and transparency. Additionally, it provides a diverse pricing structure, accommodating your hotel’s needs at any processing volume. If you run a traditional hotel or inn that receives a lot of bookings over the phone, ProMerchant offers two MOTO payment solutions. Choose between the free Payments Hub Virtual Terminal and Authorize.net’s services. Beyond a virtual terminal, Authorize.net also offers a payment gateway for online bookings.If you’re still undecided, here’s a quick comparison of the different credit card processors that made my list.
Best Feature | Best For | Monthly fee on cheapest plan | Transaction fees on cheapest plan | ||
Leaders Merchant Services | Low custom rates and free equipment | Small- to mid-sized hotels looking for the most affordable deal | $9.00 | ~2% + 0¢ | |
PAYARC | Integrations with international gateways | Hotels that need strong security for international transactions | N/A | 2.49% + 30¢ (in-person) | |
ProMerchant | Free software to process MOTO payments | Hotels that receive a lot of bookings over the phone | $7.95 | 3% + 10¢ (credit) | |
POS Pros | Integration with robust vacation rental management software | Hotels that need comprehensive property management support | $5.00 | 0.30% + 10¢ (in-person) | |
Flagship Merchant Services | Fast and easy setup for high-risk merchant accounts | Hotels looking to start processing payments immediately or hotels with no/bad credit history | $7.95 | 1.58% + 19¢ (in person) | |
Stax | Extensive range of payment and e-commerce features | Hotels that process a high volume of transactions | $99.00 | 0% + 10¢ (in-person) |