Payment processing for hotels & resorts
A hotel accepts payment across the whole guest journey: deposit, check in, folio, checkout, and sometimes a no show charge on a card nobody tapped. Every step carries different risk, and honest pricing prices each step as itself.
Deposits and bookings arrive by phone and web weeks ahead, at card not present rates. Checkout settles card present. Two different worlds on one folio.
Blended hotel rates get set high enough to cover phone deposits, then charge tapped checkouts the same padded number.
Acquiring that posts straight to the property system, with card present and card not present volume each priced on its own basis.
Photo: Basile Morin / Wikimedia Commons, CC BY-SA 4.0
Five payment moments, one guest
The booking deposit is keyed or online. The check in is a pre authorization. Incidentals post mid stay. Checkout settles the folio. A no show charges a card that was never present at all. Spread across interchange categories like that, a property's true cost structure is invisible under any single blended rate, and visible immediately under a category by category read.
The front desk test
Any payments change that adds work to the front desk fails, whatever it promises. Our deployments post to the folio in the property system your desk already runs, so pre authorizations, adjustments and settlements flow through the existing workflow. For most properties that system is Oracle OPERA, our flagship property management integration, and we also deploy integrated payments alongside Agilysys Visual 1, Ariane, Orion Systems, SevenRooms, Springer Miller, StayNTouch, HotelKey and Infor HMS.
Disputes are won on evidence
No show charges and disputed incidentals are part of lodging. Winning them requires the booking record, the cancellation policy and the charge to travel together to the processor. Integrated acquiring keeps that chain intact, which converts disputes from write offs into wins.
Groups, banquets and the deposits ladder
Event business runs on a ladder of card not present payments: a hold at booking, staged deposits as the date approaches, and a final settlement that can be the largest single transaction the property takes all month. Large keyed transactions deserve enhanced data handling and deliberate pricing, and banquet heavy properties often find their event ledger is quietly their most expensive volume per dollar.
OTA bookings versus the front door
Commission channels deliver guests with the payment already shaped: sometimes the platform collects and remits, sometimes a virtual card arrives to be charged at the desk. Virtual cards are corporate card interchange, at the top of the table. Direct bookings, by contrast, ride rails you control and can price. Knowing what each channel truly costs per room night, commission plus payment cost together, is the arithmetic that should steer where you push demand.
Hardware we deploy
Semi integrated with your POS, ethernet with wireless fallback, tap, insert and swipe, built in receipt printer.
WiFi plus LTE fallback, full service battery life, configured to your workflow, splits handled at the table.
Contactless acceptance on a supported Android device. No hardware to buy for mobile and field use cases.
Example hardware lineup and pricing for illustration. The fitted deployment and real pricing follow the statement review.
One independent team, six partner platforms
Kubera Payments Corporation is a registered agent of the partners listed. Clover is a registered trademark of Fiserv, Inc.
Common questions
Our deposits come in by phone. Is that why our rate is high?
It is likely part of it. Phone deposits are keyed, card not present transactions that carry real premiums, and on blended pricing that premium spreads across your whole volume instead of staying contained to the transactions that earn it.
Which property systems do you work behind?
Oracle OPERA is the flagship property management system we deploy integrated payments for, with charges posting to the folio and night audit reconciling cleanly. We also deploy integrated payments alongside Agilysys Visual 1, Ariane, Orion Systems, SevenRooms, Springer Miller, StayNTouch, HotelKey and Infor HMS, and the fit for your property is confirmed during the review.
Seasonal resort volume: how should that be priced?
On the full year, with minimums and fixed fees that acknowledge the shoulder season. A twelve month statement is the honest basis, and it is the one we ask for.
Can you help reduce chargebacks from no shows?
The structural help is evidence flow: integrated records that connect the booking, the policy and the charge. Clear policies plus a clean paper trail win the majority of properly documented disputes.
A recommended payments partner of the BC Chamber of Commerce
Price your hotels & resorts volume properly
Send us a recent statement. We read it line by line and come back within 1 to 2 business days with exactly what you are paying and whether the structure fits how you run. No obligation, just numbers.
Built for businesses that expect more from their payment systems.