Best Merchant Accounts for Timeshares

What to Know Before Getting Started

Despite the fact that they are completely legal, timeshares are often considered high risk business types in the credit card processing industry. This is due to a number of factors, including higher-than-average buyer dissatisfaction among timeshare owners, the difficulty of selling a timeshare, and the general high-risk nature of the travel sector. However, just because your timeshare business is high risk doesn’t mean that you can’t open a merchant account. In fact, there are plenty of high risk merchant account providers who specialize in processing payments for shared rental companies. Although high risk processors tend to charge higher fees for their services, they can make up the difference by providing helpful customer support and useful products and features for merchants.

To help you find the best processor for your timeshare business, we’ve put together the following list of the best merchant accounts for timeshares. The companies on this list offer online billing methods, MOTO payment processing, internet marketing tools, and other useful services for operating your vacation rental company. They are also known to provide low-commitment contracts with transparent pricing and quality customer service. To find the right provider for your timeshare company, be sure to research each processor’s products and features and compare pricing and terms.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers

eMerchantBroker

eMerchantBroker.com is a Los Angeles, California-based company that offers high risk e-commerce processing solutions including timeshare merchant accounts. 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. eMerchantBroker.com places an emphasis on providing credit card processing for timeshare businesses.

eMerchantBroker.com 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+.”

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

PaymentCloud

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving 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. PaymentCloud is a good option for travel and timeshare businesses.

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.”

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

Host Merchant Services

Host Merchant Services is a Newark, Delaware-based merchant account provider that is able to provide merchant accounts for timeshare sellers. 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, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to interested merchants. Host is a good fit for travel businesses that have some prior experience with credit card processing.

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 custom pricing to all of its merchants, but most merchants will enjoy transparent pricing and the ability to cancel service without penalty. The Better Business Bureau gives Host an “A+” rating, and CPO also gives the company an “A+.”

For more information, visit the Host Merchant Services website or call (888) 591-9026.

Other Merchant Account Options

The providers below may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them to provide a broader view of potential merchant account options. Are you a decision maker with your company and want to be listed on this page? Tell us here.


Durango Merchant Services

Durango Merchant Services is a well-established high risk payment processor headquartered in Durango, Colorado. The company has been serving both U.S. and international merchants with an emphasis on difficult-to-place merchant types since 1999. Durango can supply processing for timeshare advertising companies and offers a wide range of services including an online payment gateway with QuickBooks integration, POS equipment, electronic check processing, and offshore banking partnerships. Durango is a good fit for timeshare telemarketing businesses and vacation rental companies.

Durango has received overwhelmingly positive feedback with regard to its sales and support team and offers custom pricing depending on a merchant’s business type. Our review of Durango Merchant Services gives the company an “A+,” and the Better Business Bureau awards Durango an “A+” as well.

For more information, see the Durango Merchant Service website or call (888) 316-1897.

Vantage Payments

Based in Scottsdale, Arizona, Vantage Payments is a merchant account provider that can provide both domestic and offshore merchant accounts for high risk merchant types like timeshare providers. The company’s products and services include point of sale equipment, remote deposit capture, European direct debit, call center services, multi-currency support, web design, and SEO assistance. Vantage Payments is a good fit for most timeshare businesses, including international timeshare vendors.

Vantage Payments currently has a clean complaint record across all review websites, which is an impressive feat for a company specializing in offshore merchant accounts. Our review of Vantage gives the company an “A” rating at this time, while the BBB gives Vantage an “A+.”

For more information, see the Vantage Payments website or call (888) 582-4903.

Payline Data

Headquartered in Chicago, Illinois, Payline Data has consistently rated as one of the best merchant account providers on CPO since we first reviewed the company. Payline is capable of serving merchants of all sizes and types, including some high risk business types. The company offers traditional retail credit card terminals, mobile phone credit card processing, an online payment gateway and virtual terminal, QuickBooks integration, third-party shopping cart integration, API integration for websites, and various point-of-sale solutions. Payline Data is a great option for timeshare businesses with solid business credit that have been operating for at least 10 years.

In addition to its wide array of services, Payline Data offers custom pricing to most of its high risk merchants. As a result, the company enjoys a large number of positive testimonials from its clients on this website and in other consumer protection forums. The Better Business Bureau currently assigns Payline Data an “A+” rating, and CPO also gives Payline an “A+.”


If your business offers merchant services for timeshares, please leave a comment in the comment section below or contact us through our contact page in order to get listed in this article.

Thank you for reading my review. I hope that it has helped you with your research.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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