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Credit Card Merchant Rates and Fees

Online Booking and Reservation Management System
Vacation Rental Software
Do It Yourself For Less!

Accept All Major Credit Cards

Vacation Rental Desk™ allows you to process all major credit cards including Visa, Mastercard, Discover and American Express at the lowest rates with no hidden fees or long-term commitments.

Discover the Benefits of Accepting Credit Cards

  • Increase bookings by accepting last-minute reservations.
  • Improve your cash flow--all credit card charges are deposited directly into your personal bank account within 48 hours.
  • Confirm bookings - accept credit cards for vacation rental deposits to secure your guest's commitment.
  • Simplify banking - use the online reporting tools to easily reconcile your monthly statements and reduce the number of trips to the bank.
  • No need to wait 7 to 10 days for checks to clear.
  • Settle incidental charges - instantly charge your guest's credit card for any property damages or check-out fees.
  • Save time - credit card payments take only seconds to process.
  • All credit card charges are organized and attached to their respective reservation orders so you never lose track of a payment.
  • Automatically generate and send payment receipts to guests anytime a credit card is processed.

Credit Card Processing Fees

  • 2.58%* rate for qualified Visa, MasterCard, and Discover transactions. 3.50% fixed industry discount rate for American Express. Pick and choose what card types you want to accept to suit your business: Visa/Mastercard, Discover, and or American Express.
  • Low $0.25 transaction fee
  • Incredibly Low $10 monthly minimum. Most Merchant Service Provider's charge a flat monthly fee of $25 to $35 PLUS processing fees!

    What is a minimum monthly fee? A monthly minimum means that you need to generate a minimum of $10 per month in processing fees. For example, if you generate $10.50 in processing fees, your monthly minimum is covered. If you only generate $8.50 in processing fees, your monthly minimum fee is not covered and will therefore be $10. Generally, if you process $400 in credit card transactions, you will generate at least $10 in processing fees so you won't have to pay the minimum monthly fee at all! Compare this to other merchant service providers who charge a standard monthly fee regardless of how much processing activity you generate!
  • No long-term contract
  • No termination or cancellation fee
  • No application fee
  • No annual fee
  • No batch fees
  • No statement or reporting fee
  • No equipment purchase required
  • Live 24/7 transaction support

What If I Already Have a Merchant Account and I want to Keep It?

The Vacation Rental Desk supports integration with almost all existing merchant accounts.

You will get to take advantage of all of the benefits of charging credit cards through Vacation Rental Desk™, including the built-in virtual terminal, automated payment receipts, and transaction tracking and reporting for reservations. Plus, you get to keep your existing relationship with your previous merchant service provider.

Compatibility Requirement
To use your existing merchant account, please contact us with the name of your current Merchant Service Provider (MSP), Gateway, and Processor so that we can verify compatibility.

Frequently Asked Questions About Credit Cards

Is There An Approval Process?

Yes. You'll need to fill out a short merchant application after you sign up. Approval takes 3-5 business days.

How Can I Learn More About Accepting Credit Cards?

We have several articles devoted to learning about accepting credit cards in our Vacation Rental Management Resource Center.


* For qualified transactions only. Mid-qualified and Non-qualified credit card transactions are subject to a 0.5% to 1.0% additional rate. Transaction qualification rates are determined by the processor of your merchant account, not by the Vacation Rental Desk.


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