Inns, guesthouses, and B&Bs

Bed and Breakfast Payment Processing

Bed and breakfast payment processing is card acceptance for inns with fewer than 15 rooms, where 1 cancellation can erase a weekend of revenue. It centers on online deposits, a clear cancellation policy, and a single terminal or tablet reader.

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Victorian bed and breakfast inn, credit card processing for B&Bs
  • Deposits collected online at booking
  • A countertop terminal or tablet reader, no hardware sprawl
  • Cancellation policy wording that holds up in disputes

How much deposit should a bed and breakfast take?

A bed and breakfast should take a deposit of 1 night or 50% of the stay at booking, refundable until the cancellation deadline, usually 7 to 14 days before arrival. The policy must appear on the booking page and in the confirmation email to hold up in a dispute. See hotel deposits for refund rules.

What equipment does a bed and breakfast need?

A bed and breakfast needs a booking engine with a payment gateway and 1 card reader for in-person charges. A tablet or phone reader works for inns where the owner checks guests in personally. Our boutique hotel payment processing page covers properties with a staffed front desk.

How do small inns handle no-shows?

Small inns handle no-shows by charging the disclosed no-show amount to the guaranteed card the morning after the missed arrival. Keep the reservation, the policy shown at booking, and any messages. Read hotel no-show fees for the rules card networks apply.

Guides on bed and breakfast payment processing

Holds, deposits, and authorizations

Hotel No-Show Fees: How to Charge Them and Win the Dispute

Hotel no-show fees charge guests who miss a guaranteed reservation. Typical amounts, card network rules, and the evidence that wins no-show disputes.

Read the guide Holds, deposits, and authorizations

Hotel Credit Card Authorization Form: Free Template and How to Use It

Free hotel credit card authorization form template, plus how to fill it out, which fields to include, and how to store it under PCI DSS rules.

Read the guide

Bed and Breakfast Payment Processing FAQ

Is a merchant account worth it for a small B&B?

A merchant account is worth it once a B&B processes about $10,000 a month, or sooner if a payment app has held funds. Below that, a well-configured payment app is usually fine.

Can a B&B charge a credit card fee?

A B&B can surcharge credit cards in most states with proper disclosure, but not debit cards. Most inns build card costs into rates instead.

How do I take payments over the phone safely?

Send a secure payment link instead of reading card numbers aloud. The guest enters the card on a hosted page, and you never write the number down.

See what bed and breakfast payment processing should cost you.

Send your property details and, if you have them, 3 recent statements. We return an itemized interchange-plus quote and confirm your PMS integration within one business day.

  1. Tell us about the property
  2. Get an itemized quote
  3. Go live in 5 to 10 business days

Get your hotel rate quote

Takes 30 seconds. A specialist replies within one business day.

No credit check No obligation Keep your PMS

Get your hotel rate quote

Takes 30 seconds. A specialist replies within one business day.

No credit check No obligation Keep your PMS
Hotel rates in 1 business day Get a quote