A hotel payment gateway from eCom Pay is underwritten by experienced specialists who understand bookings taken months ahead, deposits, pre-authorisations at check in and no-show charges. Independent hotels, boutique hotels, B&Bs, guest houses and serviced apartments are set up with online booking payments, Pay by Link, a virtual terminal for phone bookings and card machines at the desk, all on one account, settled the next working day with no rolling reserve.
24 hrs
approval, once documents are in
150+
currencies processed
4.5
Trustpilot rating
2010
processing payments since
One that handles deposits, pre-authorisations, phone bookings and international guests on a single account without holding your money. eCom Pay hotel accounts settle next working day with no rolling reserve, approved in 24 hours once documents are in, with a UK team available at check in time.
A card is held at check in for incidentals, the amount used is captured at check out and the rest is released automatically. Done properly, with the guest told at the desk, the hold never becomes a dispute. eCom Pay configures this on the desk terminal and the virtual terminal.
Automated risk models score bookings paid ahead of the stay as deferred delivery and apply holds or slow settlement by default. eCom Pay underwrites the hotel on its booking terms and history, so every account settles next working day with no reserve.
Send a Pay by Link by email, SMS or WhatsApp, or take the card on the virtual terminal during the call, with 3D Secure on every online payment. Card details never pass through your inbox or your phone line, and the deposit settles next working day.
Yes. Process in 150+ currencies and settle in 25+, with virtual cards from booking platforms accepted, so overseas guests and OTA bookings are processed without declines.
Underwriting that understands the hotel model. Every eCom Pay merchant is settled the next working day with no rolling reserve, so deposits and balances fund the season instead of sitting in a holding account.
A direct application to a large acquirer is decided by an automated risk model that scores your category. Your file is one of thousands and the outcome makes little difference to the acquirer. eCom Pay is a separate underwriting stage that sits before the acquirer sees your application, where experienced people build the case for your business and secure the terms.
Next working day settlement and no rolling reserve. Every eCom Pay merchant, including those in high risk and specialist sectors, is settled the next working day with no reserve held back. That is the outcome the specialist underwriting stage exists to deliver, and it is written into your merchant agreement before you sign.
Yes, in most cases. A decline from an automated model tells you how the category was scored, not whether your business is approvable. The application is built around your controls, documents and trading, presented properly to specialist acquiring, and approved in 24 hours once your documents are in.
On this page Why this sector is different · The setup · How it works · Who we set up · Staying protected · FAQs
A hotel takes money for a stay that may be months away, holds cards for incidentals and charges for no-shows. A hotel merchant account needs underwriting that understands that pattern rather than scoring it as deferred delivery.
Start your applicationA deposit today for a room in August is exposure to an automated risk model, so hotels get held funds and slow settlement by default. Your specialist presents booking terms, cancellation policy and occupancy history as the controls they are.
Holding a card for incidentals and charging a no-show are legitimate, but done without the right tools they become the two biggest sources of hotel chargebacks. The account is built for both.
Overseas cards, multiple currencies and virtual cards from booking platforms all need processing without declines or surprise fees. 150+ currencies and specialist acquiring cover it.
Every application is reviewed by people who know that a well run hotel with clear booking terms is a legitimate business. The account is built for deposits taken early, cards held at check in, guests paying from anywhere, and settlement that funds the season.
Deposit rules, cancellation windows, no-show charges and occupancy history are documented and presented as the controls they are, so the hotel is assessed on how it trades rather than on the gap between booking and stay.
Hold a card at check in for incidentals, capture what was used and release the rest automatically, with the guest told at the desk, so holds never turn into disputes.
Next working day settlement with no rolling reserve means deposits and balances are in your account the following working day, paying staff and suppliers ahead of the busy months.
Online booking engine payments, Pay by Link for deposits and balances by email or WhatsApp, a virtual terminal for phone bookings and PAX terminals at the desk and in the restaurant, all on one account.
Process in 150+ currencies and settle in 25+, with 3D Secure online and virtual cards from booking platforms accepted, so international guests pay without declines.
Booking confirmations, signed registration cards and acknowledged terms become dispute evidence, with alerts that flag a complaint before it becomes a chargeback.
Fair. So here is what UK merchants say after switching to eCom Pay, in their own words.
It was such a pleasure working with eCom Pay for my company, very straightforward to set up and the team were so helpful. No hidden fees, cost efficient, and from using other platforms before I can say this has been the best so far.
Verified merchantvia Trustpilot
We found eCom Pay to be a simple, efficient payment system to integrate, with a lot of support behind it. Would recommend them over competitors who charge far too much.
Verified merchantvia Trustpilot
Great customer service from eCom Pay. Needed a card reader for my business, they had me set up fast and gave me better rates than the last company. Highly recommend.
Verified merchantvia Trustpilot
Super impressed with eCom Pay. The transaction fees are competitive, and I love that my customers have multiple payment options, which has noticeably improved my sales.
Verified merchantvia Trustpilot
Good service from eCom Pay. The card machines are reliable and easy to use. I like that there are no hidden fees and everything is explained upfront.
Verified merchantvia Trustpilot
Would highly recommend. Easy, simple, and always answers when I need help. The best payment gateway I have come across, with a wide variety of packages available.
Verified merchantvia Trustpilot
No-show charges, incidentals and deposits taken months earlier are where hotel disputes come from. The answer is a defence in four layers, built at setup, working on every booking.
The statement descriptor matches the hotel name, so a deposit taken in February for a stay in August is recognised on the statement rather than disputed.
Confirmation emails with acknowledged terms, signed registration cards and folio records mean a disputed no-show or incidental meets a documented record of what was agreed.
Holds are captured for what was used and released for the rest, with the guest told at check in, so the hold on a statement never becomes a complaint.
Dispute alerts flag a complaint before it hardens into a chargeback, and when a case is worth fighting it is fought with evidence assembled by people who know hospitality disputes.
Running a restaurant or bar inside the hotel? Restaurant ePOS with pay at table and QR ordering sits on the same account and the same settlement.
Bookings are paid ahead of the stay, cards are held for incidentals, no-shows are charged and guests pay from all over the world. Automated models score each of those as risk. Specialist underwriting assesses the hotel you run rather than the category.
Yes. Startups and independents are welcome. Clear booking terms, a cancellation policy and a realistic occupancy forecast do the same job as a long trading history, and approval lands in 24 hours once your documents are in.
A no-show or cancellation charge is defensible when the guest acknowledged the terms at booking and the charge matches them. Confirmation emails with terms, signed registration cards and folio records are the evidence. Your specialist sets this up so the record exists before the first dispute.
Yes. Virtual cards issued by online travel agencies are processed on the same account, alongside guests paying directly online, by phone or at the desk.
No. Every eCom Pay merchant, including hotels and accommodation businesses, is settled next working day with no rolling reserve. Securing those terms for booking led sectors is the reason the separate underwriting stage exists.
Hosted checkout and API cover the main booking engines and channel managers, and Pay by Link or the virtual terminal cover phone and email bookings without any integration at all. Tell us what you run and the team confirms the route.
Yes. PAX terminals at reception, pay at table and QR ordering in the restaurant and bar, and the booking engine online all settle on one account with one settlement report.
Approval takes 24 hours once your documents are in. The only thing that moves the date is how quickly the paperwork arrives, and your specialist tells you exactly what is needed on day one.
Experienced underwriters process your application with your booking terms front and centre, approved in 24 hours once your documents are in, settled next working day with no reserve.
Explore hospitality payment solutions, Pay by Link for deposits, or the full list of industries we approve.
AI answers can be wrong. For anything important, call 0345 548 0072.
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