Top 10 Hotel Payment Processing Software To Simplify Hotel Billing In 2026

Imagine a guest ready to check out after a great stay, but your card machine stops working. The system lags, the line keeps getting longer, and frustration builds. What should have been a smooth farewell quickly turns into a headache for both your staff and the guests.

Many hotels still face these payment issues every day. Manual entries, delayed settlements, and mismatched records make it tough to track revenue and process refunds. A reliable hospitality payment processing software can help you with this problem. 

These tools let hotels accept different payment methods, remove manual errors, and organize transactions across all your departments. In this guide, we will explore the 10 best hotel payment processing software to simplify payments and improve the checkout experience. Each option fits different property sizes, needs, and budgets.

‍

What is hotel payment processing, and why does it matter?

Hotel payment processing is the system hotels use to handle guest payments across the front desk, restaurant, online booking site, and more. It connects your hotel payment gateway, Point of Sale system, and booking channels for quick and secure transactions. This setup lets you accept cards, apps, and digital wallets, making it convenient for both guests and your staff.

• Improve guest experience: Create faster and friction-free checkouts for guests paying through credit cards, digital wallets, or mobile payments 
• Save staff time: Automate billing tasks and reduce manual effort at the front desk
• Increase accuracy: Cut down duplicate entries and prevent billing disputes
• Offer flexibility: Accept multiple payment options, including credit card payments and digital wallets
• Boost revenue control: Track every transaction in one dashboard for real-time visibility
• Reduce chargebacks: Prevent fraudulent and invalid credit card payments early on
• Simplify refunds: Instantly handle guest refunds without switching between systems
• Support global guests: Accept international cards, currencies, and payment gateways with ease
• Integrate with PMS: Sync all payment data automatically with your property management system
• Strengthen security: Protect guest information through PCI-compliant gateways and encrypted transactions

‍

Best hotel payment processing software 

Before we get into the detailed overview, let’s give you a basic idea about the tools. Here is how the top 10 hospitality payment processing software’s features and USPs stack up against each other:

‍

10 best hotel payment processing software in 2026

Now, we will get into the detailed overviews of the 10 best hotel payment processing software. We will discuss their features, pricing, and even real customer reviews to help you choose the best one.

1. roommaster Payments (Best for all-in-one hotel management with fast and secure payments)

roommaster is a hotel property management software with secure payment features. With roommaster Payments, you can accept multiple currencies, collect credit card payments, reduce chargebacks, and automate reconciliations. 

Our platform lets you accept in-person and online payments with equal ease. Guests can pay through their cards, wallets, GPay, Apple Pay, and other popular methods. roommaster has a  99.99% uptime guarantee and processes credit card payments 3X to 5X faster, keeping cues moving. You can adjust pre-authorizations for room rates, stay length, and incidentals with just a few clicks. Plus, you can accept global payments at competitive exchange rates, further improving the guest experience.

Not having their card won’t ever inconvenience your guest. roommaster lets you issue refunds in seconds, even without the card present. And since the payment gateway is built into the roommaster PMS, all your transactions are instantly synced in the system. Your audit trail is always clean to handle disputes and compliance.

Not only that! roommaster has a built-in fraud screening feature to prevent chargebacks. You will also have the support of our specialized dispute resolution team. 

And when talking about payments, security is a must. Our platform is fully PCI DSS and GDPR-compliant for secure transactions. 

Key features

• Smart reporting: Instantly syncs payment data and generates detailed financial reports right from your PMS
• Secure tokenization: Replace credit card details with encrypted tokens to secure sensitive data
• Flexible deposits: Set flexible deposit schedules according to room types and booking dates
• Easy billing: Automate billing for event, group, and transient bookings 
• EMV terminals: Process credit and debit cards seamlessly and let guests sign with digital registration at check-in 
• Real-time sync with booking engine: Push every approved and automated rate change directly to your roommaster Booking Engine 
• Analytics and reporting: Get graphical reports to review both past and future performance. These insights inform your strategies with booking behavior and revenue trends

{{pms-five}}

Pros

• Saves time: Automated reconciliations and settlements save your staff 4-6 hours every week
• Chargeback management: Our in-house specialists handle chargebacks end-to-end, always advocating for your property’s interests to minimize revenue loss
• Multi-currency processing: Your international guests  can pay through their preferred currencies with competitive exchange rates for a convenient experience
• Easy adaptation: Your team can learn all essential functions in hours, not weeks, reducing training time by up to 50%.

Cons

• It may take you some time to get comfortable with all the features

Pricing 

Custom pricing

What are real-life users saying about the tool?

“We used to dread chargebacks—now we rarely worry. The built-in fraud screening and clear audit trails help protect our revenue and give us peace of mind.”

• Shawn Zhou, Hotel Manager

‍

2. Seekda Pay (Best for automated payment processing)

What sets Seekda Pay apart is its automated payment management. You can automate credit card verification and charging. You can set refund rules, and the system will process them on time without manual intervention. 

Thanks to the KUBE booking engine, you won’t need third-party hotel payment gateways. Plus, the hotel payment processing platform comes with PCI and PSD2-compliant payment features for optimum security. 

Key features

• Flexible billing: Process multiple charges on the same credit card and charge cards as a guarantee for cancellations and no-shows
• Token handling: Process OTA tokens and virtual credit cards (VCCs)
• API integration: Integrate Seekda Pay in your integrated system with the platform’s open API 

Pros

• Omnichannel booking experience: The multi-modal system makes booking and payment easy across every channel, increasing guest satisfaction from the get-go

Cons

• Editing rates in bulk feels limited, especially when assigning multiple options to room categories

Pricing

• Custom pricing

What are real-life users saying about the tool?

No reviews available.

‍

3. Planet Payment (Best for multi-currency pricing)

Planet Payment is a hospitality payment processing solution that supports multi-currency pricing. It creates a localized experience and makes pricing transparent for international guests. They won’t have to calculate the exchange rate separately, making the booking experience more convenient. Customers know exactly what they are paying upfront while booking the room. 

Plus, the currency they browse your website in is the one they pay in. Plus, you can collect payment via a securely generated link. Just share it with your guest through their preferred channel. 

Key features

• Pay by link: Collect payments securely without a website and terminal
• Gift card manager: Sell future-dated online gift cards for special occasions

Pros

• Protects revenue: It lets your guests convert the refund amount into gift cards, securing your revenue
• Multi-lingual interface: You can delight international guest by giving them a booking and payment experience in their native language

Cons

• The platform often slows down due to a backend update

Pricing

• Custom pricing

What are real-life users saying about the tool?

“Sometime it is slow due to backend update. Which get resolves in sometime but it is user friendly”

• G2 review

‍

4. Dual Payments (Best for eliminating credit card processing fees)

Dual Payments eliminates credit card processing fees with a zero-fee model, making it ideal for hospitality businesses. Setup is simple: you get free POS equipment and a customized plan that fits your business. Every swipe goes straight to your profit. 

Key features

• Free POS equipment: Get set up quickly with complimentary point-of-sale hardware.
• Customizable plans: Tailor your payment plan to match your business needs.
• Fast settlements: Access your funds quickly and reliably after every transaction

Pros

• Boost profit margins: It eliminates the processing fee and protects your revenue
• Prevent fraud: The EMV terminal reduces credit card fraud with a secure chip

Cons

• This hotel payment processing software doesn’t support wallets or other digital payments 

Pricing

• Custom pricing

What are real-life users saying about the tool?

No reviews available.

‍

5. Adyen (Best for a unified on-property payment experience)

With Adyen, you can offer your guests their preferred payment methods anywhere on the property, whether in the hotel lobby, at the restaurant, poolside lounge, or spa. They won’t ever have to wait in long lines to clear their dues. If you manage multiple properties, this platform’s dashboard will show you the finances from every location in your portfolio. 

Key features

• Reporting and reconciliation: View payouts, chargebacks, payment-method data, and transaction volumes in one place
• Partner integrations: Works with major hospitality tech vendors so you can plug it into existing systems easily
• Personalized guest experiences: Offer local payment methods, tokenized cards for repeat stays, and tailored journeys

Pros

• Faster checkouts: Reduce queues and improve guest satisfaction with flexible payment options
• Data-driven insights: Access unified reporting for smarter revenue and operations management

Cons

• The overall cost is a bit more expensive than the alternatives

Pricing

• Starts at $0.13 + 4% of the payment method fee

What are real-life users saying about the tool?

“For me, the downside of Adyen is the limited number of recoveries we can make for the customer, as you pay one euro for each extra recovery.”

• G2 review

‍

6. eZee Pay (Best for credit card validation)

eZee Pay stands out with a credit card validation feature. Before accepting any booking online, the platform verifies and validates the credit card. This prevents fraud and lets you charge, authorize, or refund payments without hassle. Plus, its unified dashboard lets you manage both bookings and payments in one view. 

Key features

• Accurate settlements: Remove duplicate entries, errors, and maintain invoices with a precise ledger 
• Business insights: Access detailed reports on payment volumes and other financial data 

Pros

• Work from anywhere: Mobile app access lets you handle reservations, check-ins, and reports on the go
• User-friendly: The platform is very easy to use, even if you don't have much experience with hotel payment processing software

Cons

• The software sometimes experiences downtimes
• It doesn't have enough customization for advanced users 

Pricing 

• Custom pricing

What are real-life users saying about the tool?

“The only thing I dislike about this PMS software is, I have to follow lot of instructions to complete specific tasks. Hotels needs to be latest version of this PMS software to train new employees.”

• G2 review

‍

7. StayNTouch Pay (Best for generating one-clock payment links)

With StayNTouch Pay, you can spin up secure one-click payment links via email, text, or QR in seconds. It covers multiple payment methods, including cards, wallets, and local pay, so you’re set for almost any guest preference. Moreover, you get 24/7 payment processing support on priority. 

Key features

• Fraud protection: Built-in fraud detection and PCI-compliant security to safeguard every transaction
• Unified reporting: Access real-time payment data and performance insights from a single dashboard
• Transparent billing: Enjoy clear pricing and 24/7 customer support for a smooth payment experience

Pros

• Simple to learn: The interface is very intuitive, so your team will adapt fast
• Excellent support: The team assists you in fighting chargebacks and overcoming any potential technical difficulties on priority

Cons

• This platform can fall short for larger properties
• The reports lack filters, so comprehending the data becomes a little difficult

Pricing

• Custom pricing 

What are real-life users saying about the tool?

“The reporting side can be improved. There are a few reports that cannot be downloaded on PDF file. When using Schedule Export Reports you cannot export using a PDF file it will exported using Excel format. This is one of the down sides.”

• G2 review

‍

8. Astral Payment by Shiji (Best for multi-property PoS set up)

Astral Payments lets you manage front-desk, F&B, and online PoS across multiple properties. It supports multiple currencies and digital wallets, making it especially useful when your brand spans regions and payment types. With full integration into Daylight PMS and Infrasys POS, it streamlines data flow, reconciliation, and guest workflows.

Key features

• Multi-currency support: Handles multiple currencies and payment methods, including credit cards, digital wallets, and QR codes, accommodating diverse guest preferences
• Tokenization: Tokenizes all credit card information wth Shiji Vaults

Pros

• 24/7 global support: Shiji provides dependable 24/7 support across 38 countries, making sure your operations remain uninterrupted 
• Affordable: The platform is quite affordable for independent hotels as well 

Cons

• While Astral Payments syncs with Shiji's Daylight PMS and Infrasys POS, integrating with third-party systems may require additional customization
• It’s not a very customizable system 

Pricing

• Custom pricing

What are real-life users saying about the tool?

No reviews available.

‍

9. INNsight Hotel payment processing (Best for small hotels and vacation rentals)

INNsight's hotel payment processing streamlines transactions with secure, PCI‑compliant systems designed for small properties. Their flat‑rate pricing model ensures predictable costs, making budgeting straightforward. Features like mobile check‑in and chargeback defense enhance guest convenience and protect revenue.

Key features

• Secure payment processing: Ensures safe and seamless transactions with PCI DSS compliance and encrypted data handling
• Mobile check-in: Offers contactless arrival options, enhancing guest convenience and reducing front desk congestion
• Chargeback defense: Provides tools to protect revenue from disputes and unauthorized transactions

Pros

• Transparent pricing: The flat-rate subscription model eliminates per-transaction fees, helping you budget more predictably 

Cons

• Limited advanced features: May lack some high-end functionalities found in enterprise-level hotel payment solutions

Pricing

•  $99/Month for up to 100 rooms 

What are real-life users saying about the tool?

No reviews available.

10. Stripe (best for customizing a secure payment experience)

Stripe stands out with its UI building blocks. You can use these to design a secure payment experience. Just choose the elements you want to add and customize them to your website with CSS-level styling. The payment elements come with masking, styling, error handling, and client-side input validation for card acceptance.

Key features 

• A/B tests: Run multivariate tests and manage payment methods accordingly from one Dashboard
• Radar: Minimizing rejections of legitimate transactions with AI-driven fraud prevention

Pros

• Customization: You can design a branded payment experience for your guests without any coding or developer expenses 
• AI-driven fraud prevention: The platform reduces false declines while protecting against fraudulent transactions

Cons

• Stripe’s payment processing fees and currency conversion rates can add up, especially for hotels with global guests

Pricing 

• Custom pricing 

What are real-life users saying about the tool? 

“Working out the fees for subscription payments was a bit confusing. Color design on the payment page took some time to tinker with and get right.”

• G2 review

‍

What features should you look for in hotel payment processing software?

You want a hospitality payment processing software that’s not just easy to use but also keeps your hotel fully PCI compliant, so guest data stays safe. Here is what you should look for while choosing a payment gateway: 

• Multi-channel payment support: Accepts credit cards, digital wallets, and contactless payments across front desk, F&B, and online bookings
• Integration with PMS:  Connects easily to your property management systems for efficient billing and reconciliation
• Fraud detection tools: Offers AI-driven and rule-based mechanisms to minimize chargebacks and unauthorized transactions
• Mobile and contactless payments: Offers convenient check-in and checkout with multiple payment options via smartphones and QR codes
• Reporting and analytics: Provides real-time insights into transactions, revenue, and guest payment behavior
• Customizable payment links: Lets you generate and send secure one-click payment requests to guests

‍

What payment methods should hotels accept in 2026?

Guests expect flexibility in how they pay for their hotel stays. Traditional credit and debit cards are still common, but digital wallets and contactless payments are quite popular for their convenience. If you stick to just one method, you risk slowing down check-ins and even losing guests.

So, here is a checklist for the payment methods you should accept at your hotel to enhance guest experience: 

• Credit and debit cards (Visa, Mastercard, Amex)
• Mobile wallets (Apple Pay, Google Pay, Samsung Pay)
• Contactless tap payments at the front desk and F&B outlets
• Online payment links via email and SMS
• Local digital payment options 
• Pre-authorizations and virtual cards for bookings and reservations 

‍

How do you ensure security and compliance in hotel payment processing?

Hotels handle a lot of sensitive payment information, so keeping it safe is critical. Here are some elements you must test out in payment processing to maintain data security and compliance:

• PCI DSS compliance for handling card data
• End-to-end encryption of transactions
• Tokenization of card information
• Regular software updates and security patches
• AI-powered and rule-based fraud detection
• Staff training on secure payment handling
• Secure networks for all payment terminals and online systems

‍

How much does hotel payment processing software cost?

The cost of hotel payment processing software depends on the size of your property, transaction volume, and the features you choose. Most hotels pay 2.5% to 4.5% per transaction, with online or card-not-present payments usually on the higher end and in-person payments slightly lower. 

Some providers charge a monthly subscription, typically between $10 and $20 for basic platforms, while integrated PMS solutions can range from $300 to $1,000 per month. Additional features like fraud protection and identity verification may add a small per-transaction fee. However, you can try to negotiate custom pricing. That would reduce the overall costs.

‍

How do you choose the right hotel payment processing software?

Every tool on the list has some excellent qualities. But how do you choose the right one for your property? Here is a checklist to help you out:

• Understand your property’s size and transaction volume to select a system that fits your needs.
• Check which payment methods the software supports, including cards, mobile wallets, and contactless options
• Make sure it syncs with your property management system to streamline billing and reporting
• Verify PCI compliance and security features to protect guest payment information
• Assess reporting and analytics capabilities for insights into transactions and revenue trends
• Test the ease of use for staff with free trials and demos to minimize errors and training time
• Compare pricing structures, including transaction fees, subscription costs, and add-on features
• Review customer support options through testimonials and reviews so that you can get help when needed

‍

Basic hotel payment processing software vs all-in-one hotel management software

Sure, a basic hotel payment processing software can handle payments and track transactions. But it often lacks PMS integration, multi-channel support, and advanced reporting. You are left with multiple tools and struggling with slow checkouts.

All-in-one hotel management platforms like roommaster let you manage payments, reservations, guest preferences, and analytics from a single dashboard. You can streamline operations, reduce chargebacks, and offer seamless checkouts for every guest.

Use roommaster Channel Manager to keep all your info, including pricing, consistent across all listings and your website. No need to manually update the pricing or availability. 

Plus, roommaster Booking Engine lets you create commission-free direct booking pages with easy rate calendars. You can add upsell options and tailor the logo, font. colors, and page URLs to match your brand. The booking pages will sync with roommaster PMS, so no need to update rates and availability manually.

You also get:

• Dynamic pricing with ampliphi
• roommaster Hotel Guest App
• roommmaster AI Concierge

With features like automated refunds, real-time reporting, and fraud protection, your team stays efficient, your revenue stays secure, and your guests leave happy every time.

Book a demo today and delight your guests with a smart and easy payment process.

‍

FAQs

1. What is hotel payment processing software?

Hotel payment processing software is a system that handles guest payments across multiple channels, including front desk, online bookings, and F&B outlets. It captures card data securely, processes transactions, and integrates with property management systems for seamless billing and reporting.

2. How much does hotel payment processing cost?

The cost of hotel payment processing depends on property size, transaction volume, and chosen features. Hotels typically pay 2.5% to 4.5% per transaction, with online payments slightly higher. Monthly subscription fees can range from $10–$20 for basic platforms and $300–$1,000 for integrated PMS solutions. Additional features like fraud protection may add small per-transaction fees.

3. What's the difference between a payment gateway and a payment processor?

The difference between a payment gateway and a payment processor is that a gateway captures and encrypts card details for online and mobile transactions, while a processor moves the funds between the guest’s bank and the hotel’s account, handling authorization, settlement, and reporting. Both work together for secure payments.

4. Is hotel payment processing secure?

Yes, hotel payment processing is secure if the system follows PCI compliance, uses encryption and tokenization, and includes fraud detection. However, you must make sure the card data is never stored in plain text. The software should be updated regularly, and you must train your staff to handle payments safely.

5. What payment methods should hotels accept in 2026?

The payment methods hotels should accept are credit and debit cards (Visa, Mastercard, Amex), mobile wallets (Apple Pay, Google Wallet, Samsung Pay), contactless tap payments, online payment links via email or SMS, local digital payment options (Alipay, WeChat Pay, Paytm), and pre-authorizations or virtual cards for bookings and reservations.

‍

{{cta-strip}}