Online and in-PMS payments

Hotel Payment Gateway

A hotel payment gateway is the software that securely sends card data from your booking engine, PMS, or payment link to the processor. It replaces stored card numbers with tokens, so the same card can be charged at check-in, checkout, or after the stay.

Booking a stay online on a laptop, payment gateway for hotel reservations
  • Network tokenization keeps raw card numbers out of your PMS
  • 3-D Secure on direct bookings to shift fraud liability
  • Pay-by-link for deposits, groups, and phone reservations

What is the best payment gateway for hotels?

The best payment gateway for a hotel is one that is certified with its PMS, because the integration decides whether authorizations, incrementals, and refunds run automatically. A gateway with the lowest rate but no PMS certification forces staff to key cards twice.

Check 4 features before choosing:

  • Certified integration with your PMS and booking engine
  • Network tokens that update when a guest's card is reissued
  • Support for estimated and incremental authorizations
  • 3-D Secure 2 on card-not-present bookings

How does a gateway connect to my PMS?

A gateway connects to a PMS through a certified integration that passes tokens and transaction results between the 2 systems. Hotels on Oracle OPERA Cloud, Mews, Cloudbeds, Stayntouch, and other modern PMSs choose from a list of supported gateways. Tell us your PMS and we confirm compatibility before you sign anything. Our page on the hotel payment system explains how the PMS, gateway, and terminals fit together.

Can a gateway collect deposits and prepayments?

Yes. A hotel payment gateway collects deposits through the booking engine at reservation, through pay-by-link emails for phone and group bookings, and through scheduled charges ahead of arrival. Each method stores a token for the rest of the stay. See hotel deposits for deposit timing and refund rules.

Hotel Payment Gateway FAQ

Is a payment gateway the same as a payment processor?

No. The gateway captures and encrypts card data and sends it onward. The processor routes the transaction through the card networks and settles funds to the merchant account. Hotels need both.

What is the best billing system for hotels?

The best billing system for a hotel is the folio module of its PMS paired with a certified payment gateway, so charges, taxes, and payments post to the same guest record.

Does a gateway make my hotel PCI compliant?

A tokenizing gateway shrinks PCI scope because raw card numbers never touch your systems. The hotel still completes an annual self-assessment questionnaire.

See what hotel payment gateway 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