Best Hotel Merchant Accounts

Here is the illustration of a luxury hotel facade, depicted in a vibrant and elegant style.

Hospitality and Hotels have Demanding Needs from Debit and Credit Card Processors

Hotels, motels, vacation rentals, hostels, and bed and breakfasts are very popular businesses for credit card users. This is largely because travelers often book flights and lodging at the same time, and they usually accrue airline miles (and future travel plans) as part of their credit card rewards programs. Simply put, most lodging merchants will need to accept credit card payments in order to serve their customers. But in order to accept card payments, hotel operators need to navigate a tricky minefield of reservations, deposits, refunds, and credit card security, all while keeping costs as low as possible.

To assist you in your search for a provider, we've created the following list of the best merchant account providers for lodging. These credit card processors offer secure payment solutions that enable merchants to accept card payments online, over the phone, and in person and can be integrated into most major online reservation systems. They also have received positive reviews from merchants and third-party reviewers alike. It is important to note that these providers are not all-in-one booking and payment solutions, so it is important to find an online booking or reservation system that can partner with a third-party payment processor to accept payment. As always, the best way to secure the lowest rates for your lodging business is to contact multiple providers from the list below to compare pricing and services.

How to Select the Best Hotel Credit Card Processor

When selecting the best credit card processor for a hotel business in the USA, there are several factors to consider that are specific to the hotel industry. Below are some of the key considerations we have identified.

EMV Compliance

The hotel business should ensure that the credit card processor they choose is EMV compliant. EMV technology is a secure payment method that is widely used in the US, and it can help to protect the hotel business from fraudulent transactions.

Integration with Property Management System (PMS)

The credit card processor should be able to integrate with the hotel's Property Management System (PMS). This will help to streamline the payment process, reduce errors, and improve the overall guest experience.

Payment Security

The hotel business should consider a credit card processor that offers advanced security features such as tokenization, encryption, and fraud detection. This will help to protect both the hotel business and their guests' sensitive payment information.

Payment Types

The hotel business should ensure that the credit card processor they choose accepts all major payment types, including Visa, Mastercard, American Express, and Discover. It is also important to consider alternative payment methods such as mobile payments and online payment gateways.

Pricing and Credit Card Processing Fees

The hotel business should carefully evaluate the pricing and fees associated with the credit card processor they choose. Some processors charge monthly fees, transaction fees, and processing fees. It is important to compare pricing and fees across different processors to ensure that the hotel business is getting the best value.

Solid Customer Support

The credit card processor should provide excellent customer support, with a dedicated support team available 24/7. This will help to ensure that any payment issues can be resolved quickly and efficiently, minimizing the impact on the hotel business and their guests.

Reputation and Reviews

The hotel business should research the reputation and reviews of the credit card processor they are considering. Look for processors that have a strong track record of serving the hotel industry, and check online reviews to see what other hotel owners have to say about their experience with the processor. You can consider our review on this website, by simply searching for the processor in the search bar at the top of this page.

By considering these factors, a hotel business can select the best credit card processor for their needs, helping to improve payment security, streamline payment processes, and enhance the overall guest experience.

Top Picks for Merchant Services for Hotels

helcim logo

#1 Helcim

Top Rated for Hotel Credit Card Processing

Helcim is a merchant account provider headquartered in Alberta, Canada, and Seattle, Washington. The company provides merchant services and credit card processing to both U.S. and Canadian businesses. Helcim offers traditional payment processing equipment as well as a feature suite called “Helcim Commerce,” which is intended to serve as an all-in-one business management solution for merchants across all of their sales channels.

Helcim: The Ideal Credit Card Processor for Hotel Owners

If you own a hotel business, accepting credit card payments is a must to ensure a smooth and convenient payment experience for your customers. That's where Helcim comes in, offering a reliable and affordable payment processing solution that caters specifically to the needs of hotel owners. Here are a few reasons why Helcim should be your go-to choice for hotel payment processing:

Flexible Payment Options for Customers

Helcim understands that not all customers prefer the same payment method. With their platform, you can accept a variety of payment options, including credit and debit cards, e-transfers, and more. This flexibility ensures that your customers can choose their preferred payment method, leading to a more satisfactory experience and potentially repeat business.

Easy Integration with Your Hotel Management System

Integrating Helcim with your hotel management system is a breeze, thanks to their user-friendly interface and intuitive design. With seamless integration, you can easily manage transactions, refunds, and chargebacks, all from one central location. This means that you can focus on providing excellent hotel services to your guests, without worrying about the technicalities of payment processing.

Affordable Processing Fees

As a small business owner, every penny counts. Helcim understands this and offers affordable processing fees that are transparent and easy to understand. With their competitive pricing model, you can keep your payment processing costs low while still enjoying top-notch payment processing services.

24/7 Customer Support

In the hotel industry, customer service is king. Helcim offers 24/7 customer support to ensure that you always have access to the help you need, whenever you need it. Whether you have a technical issue, a question about your account, or need help resolving a payment dispute, their friendly and knowledgeable customer service team is always ready to assist you.

Helcim offers hotel owners a reliable, affordable, and user-friendly payment processing solution that is tailored to their unique needs. With their flexible payment options, easy integration, competitive pricing, and exceptional customer service, Helcim is the perfect choice for any hotel owner looking to accept credit card payments.

Host Merchant Services logo

Host Merchant Services

Top Pick for Hotel Merchant Accounts

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for most general business types including hotels. The company's products and services include point-of-sale solutions, online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, and merchant cash advance. Host Merchant Services is able to provide specialized e-commerce solutions for merchants who wish to maintain a strong web presence.

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company's customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

Why Host Merchant Services is the Best Payment Processing Option for Hotel Businesses

Host Merchant Services (HMS) is a leading provider of credit card processing services that can help hotel business owners accept payments from customers. When it comes to payment processing for hotels, there are several key factors to consider, including security, reliability, and convenience. HMS offers all of these features and more, making it an excellent option for small business owners who want to streamline their payment processing and improve their bottom line.

Committed to Security

One of the standout features of HMS is their commitment to security. They use the latest encryption and tokenization technologies to ensure that all customer data is protected from fraud and hacking. This is especially important for hotel businesses, which often deal with sensitive personal information like credit card numbers and billing addresses. With HMS, business owners can rest assured that their customers' data is safe and secure.

Large Range of Payment Options Offered

Another benefit of using HMS for hotel payment processing is the convenience and flexibility they offer. They provide a range of payment options, including traditional credit and debit cards, as well as digital wallets like Apple Pay and Google Wallet. This means that customers can pay using their preferred method, which can increase satisfaction and repeat business. HMS also offers easy integration with a variety of hotel management software, making it simple to keep track of transactions and manage customer data.

24/7 Customer Support

In addition to these features, HMS is also known for their excellent customer service and competitive pricing. They offer 24/7 support to help business owners resolve any issues or concerns that may arise, and their rates are among the most competitive in the industry. This can help hotel owners save money on payment processing fees, which can add up quickly over time.

In conclusion, if you're a hotel business owner looking for a reliable, secure, and convenient way to accept payments from customers, Host Merchant Services is a great option to consider. With their commitment to security, flexible payment options, easy integration, and excellent customer service, HMS can help streamline your payment processing and improve your bottom line.

For more information, visit the Host Merchant Services website or call (888) 727-4538.

PaymentCloud Logo


Top Credit Card Processor for Hotel Businesses

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving standard to high-risk business types. The company's products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. The Authorize.Net backed virtual terminal that PaymentCloud utilizes allows hotels to keep confidential payment information from its guests secure. Furthermore, PaymentCloud's comprehensive POS solutions allow hotels to keep track of bookings, vacancies, charges accumulated during a stay, as well as to serve restaurants, spas, and other services offered on their property. For those reasons, PaymentCloud is a good option for hotels.

PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant's business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

Why PaymentCloud is the Best Choice for Hotel Payment Processing

As a small business owner in the hotel industry, one of your top priorities is ensuring your guests have a seamless and stress-free experience when booking and paying for their stay. That's why it's crucial to choose a payment processing service that specializes in hotel payment processing. PaymentCloud offers tailored payment solutions designed specifically for hotels and lodging businesses.

Accept Payments Through All Major Credit Cards

With PaymentCloud, you can accept payments through all major credit cards, including Visa, Mastercard, and American Express. PaymentCloud also offers a range of other payment options, including ACH and eCheck processing, to give your guests even more flexibility when it comes to paying for their stay. The platform's advanced fraud prevention measures ensure that your hotel's financial transactions are safe and secure.

Intuitive Payment Gateway

One of the key advantages of PaymentCloud is its intuitive payment gateway, which seamlessly integrates with your hotel's website and booking system. This means that your guests can make payments online, through your website or booking portal, without any hassle. PaymentCloud also offers mobile payment solutions, allowing you to accept payments on the go, whether you're checking guests in or managing reservations on the fly.

PaymentCloud is an ideal payment processing service for hotel owners who want to ensure a smooth and efficient payment experience for their guests. With advanced security measures, a range of payment options, and intuitive integration with your website and booking system, PaymentCloud makes it easy for you to accept payments from your guests, whether they're booking a room, purchasing a package deal, or paying for additional services during their stay.

For more information, visit the PaymentCloud website or call (888) 506-7859.

national processing logo

National Processing

Top Pick for Hotel Merchant Services

National Processing offers several small business processing options and can assist hotels and other lodging providers with identifying the right POS system or virtual terminal for their needs. The company offers two pricing options: one an interchange-plus program or a “zero-fee” program, both of which offer competitively priced rates.

National Processing has a clean reputation with just one complaint filed in the last three years, which is not concerning in nature. Our independent review finds National Processing to be a solid option for most hotels, motels, inns, bed-and-breakfasts, and more.

Streamline Hotel Payment Processing with National Processing

Running a hotel business can be complex, but managing payments shouldn't be. National Processing offers a comprehensive solution that allows hotel owners to accept credit card payments from customers with ease. Here are a few reasons why National Processing is a top choice for hotel payment processing:

Tailored Solutions for Hotels

National Processing understands the unique needs of hotel businesses and provides custom solutions that cater specifically to the industry. Their payment processing solutions are designed to integrate with your existing systems and streamline your payment processes. From check-in to check-out, National Processing ensures that your customers have a seamless experience when making payments.

Secure Payment Processing

The security of your customers' data is of utmost importance. National Processing ensures that all credit card transactions are processed in a secure environment and comply with PCI DSS (Payment Card Industry Data Security Standards). With National Processing, you can rest assured that your customers' sensitive information is protected.

Competitive Rates

Running a hotel business can be expensive, and National Processing understands that. That's why they offer competitive rates for their payment processing services. With no hidden fees or long-term contracts, you can save money and simplify your payment processing without breaking the bank.

24/7 Support

In the hotel industry, time is money. National Processing offers 24/7 customer support to ensure that any issues with your payment processing are resolved quickly and efficiently. With their dedicated team of experts, you can rest assured that any questions or concerns will be addressed promptly.

National Processing is a top choice for hotel payment processing. With tailored solutions, secure processing, competitive rates, and 24/7 support, they offer a comprehensive solution for hotel businesses looking to streamline their payment processes. Contact National Processing today to learn more about their services and how they can help your hotel business grow.

For more information, see the National Processing website or call (385) 777-1235.

Additional Options

cdg commerce logo

CDG Commerce

CDG Commerce is a Chesapeake, Virginia-based merchant account provider that offers retail, mobile, and e-commerce solutions for hotels. The company's products include an online payment gateway and virtual terminal, recurring billing, fraud protection, a chargeback dispute resolution system, tokenized payments, Authorize.Net emulation, QuickBooks integration, and ACH processing.

CDG Commerce was founded in 1998 and has consistently maintained a positive reputation among merchants and third-party reviewers since then. It typically offers month-to-month agreements with no early termination fees to its merchants, but pricing and terms will vary depending on each business's time in business and processing history. CDG currently has an “A+” rating from and an “A+” from the BBB.

CDG Commerce: A Smart Choice for Hotel Payment Processing

As a small business owner in the hospitality industry, accepting credit card payments is crucial to your success. However, not all payment processing services are created equal. CDG Commerce stands out as an excellent option for hotel payment processing. Here are just a few reasons why:

Industry Expertise

CDG Commerce has extensive experience working with hotels and understands the unique challenges that come with payment processing in the hospitality industry. They offer tailored solutions to meet the specific needs of hotel businesses, such as managing recurring billing for reservations or managing complex payment flows for group bookings.

Competitive Rates

CDG Commerce offers some of the most competitive rates in the industry, allowing you to save money on payment processing fees. Their transparent pricing model ensures that you'll never encounter hidden fees or surprises on your monthly statements.

Robust Security

CDG Commerce takes security seriously and offers a range of measures to protect your customers' payment information. They are PCI-compliant and use advanced fraud detection tools to prevent fraudulent transactions.

Easy Integration

CDG Commerce makes it easy to integrate their payment processing services with your hotel's existing systems. They offer a range of integration options, including a robust API, plugins for popular e-commerce platforms, and support for virtual terminals.

If you're a hotel business owner looking for a reliable and cost-effective payment processing solution, CDG Commerce is an excellent option. With their industry expertise, competitive rates, robust security measures, and easy integration options, CDG Commerce can help streamline your payment processes and enhance your customers' experience.

For more information, see the CDG Commerce Website or call (888) 393-1079.

eMerchant Broker Logo

eMerchantBroker is a Los Angeles, California-based company that offers high-risk e-commerce processing solutions, meaning just about any business is eligible for their services. The company’s products include ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims. These services can be especially helpful for smaller lodging businesses, as they can free up your time and funds. offers custom pricing for each merchant and maintains a low complaint rate relative to its size and merchant portfolio. Our review of eMerchantBroker gives the company an “A” rating overall and the BBB assigns the company a rating of “A+.”

Why eMerchantBroker is a Top Choice for Hotel Payment Processing

eMerchantBroker (EMB) is a leading credit card processing service provider that caters to small businesses, including those in the hospitality industry. With years of experience in the industry, EMB understands the unique needs of hotel businesses that require reliable and efficient payment processing services. Here are some reasons why EMB is an excellent option for hoteliers who need to accept credit card payments from their customers.

Customized Payment Solutions for Hoteliers

EMB offers customized payment solutions designed specifically for hotel businesses, allowing them to accept credit card payments from their customers with ease. With EMB, hoteliers can access a wide range of payment processing options, including virtual terminals, online payment gateways, and mobile payment processing solutions that can be tailored to their specific business needs.

Fast and Secure Payment Processing

In the hotel industry, time is of the essence, and every second counts. EMB's fast and secure payment processing solutions enable hoteliers to accept payments from their customers in real-time, without any delays or interruptions. EMB uses the latest encryption and security technologies to protect customers' sensitive payment information, ensuring that hoteliers can process payments securely and confidently.

Competitive Rates and Fees

EMB understands that every dollar counts for small business owners, which is why they offer competitive rates and fees for their payment processing services. Hoteliers can benefit from transparent pricing and no hidden fees, making it easy for them to budget and manage their payment processing costs. With EMB, hoteliers can access affordable payment processing services that don't compromise on quality or security.

eMerchantBroker is a top choice for hoteliers who need to accept credit card payments from their customers. With their customized payment solutions, fast and secure payment processing, and competitive rates and fees, EMB is an excellent option for small business owners looking for reliable payment processing services.

For more information, see the eMerchantBroker website or call (877) 301-3442.

Frequently Asked Questions: Hotel Merchant Accounts Credit Card Processing

What are hotel merchant accounts?

Hotel merchant accounts are financial services that enable hotels and hospitality businesses to accept credit card and electronic payments from their guests. These accounts facilitate secure and efficient payment processing for room reservations, bookings, and other hotel-related transactions.

Why do hotels need specific merchant accounts?

Hotels have unique payment processing needs, including handling pre-authorizations, managing bookings, and processing payments for reservations with varying check-in and check-out dates. Specific merchant accounts designed for hotels cater to these requirements and offer solutions tailored to the hospitality industry.

How can I find the best merchant account for my hotel?

To find the best hotel merchant account, consider the following steps:

a. **Research Hotel-Focused Processors:** Look for payment processors that specialize in serving hotels and the hospitality sector. These providers will understand your industry's specific needs and can offer features tailored to hotels.

b. **Compare Fees and Rates:** Assess the processing fees, transaction rates, and any other costs associated with each potential merchant account. Choose a provider with transparent and competitive pricing that aligns with your hotel's size and booking volume.

c. **Consider Payment Options:** Ensure that the merchant account supports various payment options, including credit cards, debit cards, mobile payments, and online booking platforms, to offer convenience to your guests.

d. **Check for Integration with Hotel Management Software:** If you use hotel management software to handle reservations and guest data, ensure that the merchant account can integrate seamlessly with it for streamlined operations.

e. **Look for Multi-Currency Support:** If your hotel caters to international guests, consider a provider that supports multi-currency transactions to accommodate global payments.

Can hotels use regular merchant accounts for payment processing?

While hotels can use regular merchant accounts offered by mainstream providers, specialized hotel merchant accounts may offer additional features and functionalities tailored to the specific needs of the hospitality industry.

Are there any specific considerations for larger hotels vs. smaller accommodations?

Both larger hotels and smaller accommodations should consider their unique requirements when choosing a merchant account. Larger hotels may require higher transaction processing capabilities and advanced features, while smaller accommodations may prioritize cost-effectiveness. Select a provider that aligns with your hotel's size and specific needs.

How long does it take to set up a hotel merchant account?

The time it takes to set up a hotel merchant account can vary depending on the provider and your hotel's specific circumstances. Typically, the process can take a few days to a couple of weeks. Initiating the application process early can help ensure a smooth setup.

Can hotels accept contactless and mobile payments?

Yes, many merchant account providers offer contactless payment options, such as tap-and-go cards and mobile wallet payments like Apple Pay and Google Pay. Accepting these payment methods can enhance the convenience for your guests during check-in and check-out.

 Can hotels process both one-time bookings and pre-authorizations with a merchant account?

Yes, specialized hotel merchant accounts typically support both one-time transactions for individual bookings and pre-authorization for securing reservations and handling potential cancellations.

Are there any additional tips for choosing the best merchant account for my hotel?

– Seek recommendations from other hoteliers or hospitality professionals for their preferred merchant account providers.
– Look for providers that offer secure payment processing with advanced fraud prevention measures to protect your hotel and guests' payment data.
– Read customer reviews and testimonials to gauge the satisfaction levels of other hotels using the same provider.
– Review the contract terms carefully and understand any potential cancellation fees or contractual obligations.

Reader Comments

Tell Us What You Think

1 User Reviews

  • Arthur

    I’m writing to extend my sincere appreciation for your comprehensive and insightful article on “Best Hotel Merchant Accounts”. As a hotelier, your guide has been an invaluable asset, helping me to understand and navigate this complex area.

    Your detailed examination of each merchant account, highlighting their unique benefits, potential limitations, and key features, was expertly done. You have a knack for simplifying complex topics, making such a dense subject much more digestible for readers like myself.

    I particularly appreciated your emphasis on essential aspects such as transaction fees, customer service, and security protocols. Your insights into specific requirements of the hotel industry, such as managing high-volume transactions, processing international payments, and integrating with hotel management systems, were extremely helpful.

    The depth of research, time, and expertise that you put into creating this guide is clear. Your dedication to providing accurate, up-to-date, and practical information has significantly simplified the typically complex decision-making process, enabling professionals like me to make informed choices.

    Thank you once again for your significant contribution to this field. Your hard work, dedication, and expertise are deeply appreciated.

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