Economy and roadside lodging

Motel Credit Card Processing

Motel credit card processing is card acceptance for economy properties where most guests walk in or arrive the same day. It relies on fast chip and tap terminals, simple incidental holds, and pricing that rewards card-present transactions.

Motel sign in front of a palm tree, credit card processing for motels and inns
  • EMV chip and tap for same-day walk-ins
  • Incidental holds sized to your policy, not a guess
  • Low interchange for card-present lodging transactions

How do motels keep processing costs low?

Motels keep processing costs low by dipping or tapping every card instead of keying it. Card-present lodging transactions qualify for lower interchange than keyed or online payments, and interchange-plus pricing passes that difference straight to you. See hotel credit card processing fees for the numbers.

How much should a motel hold for incidentals?

A motel should hold $50 to $100 per night for incidentals, or a flat $100 to $200 per stay, and disclose the amount at check-in. Debit card holds tie up a guest's cash for up to 7 days after release, so many motels hold a smaller amount on debit cards. Our guide to hotel credit card holds explains release times.

Should a motel accept cash and debit cards?

Yes. Motels should accept cash and debit cards because economy travelers use both more than other lodging guests. Cash guests should leave a cash incidental deposit, and debit guests should see the hold amount before the card is authorized. Our guide to hotel payment methods covers prepaid cards and wallets.

Motel Credit Card Processing FAQ

Do motels need a special merchant account?

Motels use the same lodging merchant category code, 7011, as hotels. The difference is pricing: a motel with mostly card-present volume should pay less than a hotel that takes most payments online.

Can a motel refuse prepaid cards?

A motel can require a credit or debit card in the guest's name for incidentals, as long as the policy is applied to every guest. Prepaid cards can still pay the room rate.

What terminal does a motel need?

A motel needs one EMV and contactless terminal at the front desk that supports pre-authorization and incremental authorization, ideally connected to the PMS so amounts are not retyped.

See what motel credit card 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

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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