10 2026 İçin İncelenen En İyi Otel Kredi Kartı Ödeme İşlemcisi

En İyi Otel Kredi Kartı İşleme Çözümleri İncelemesi

1. 

   1

   Swipesum

   Best for accessing multiple payment processors

   • Free plan available
   • From $50/hour

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   Customer Rating:4.8/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Swipesum is a versatile payments consulting and processing platform that gives businesses access to an array of merchant services through a unique consultative approach. Through its back-end agnostic software, Swipesum provides businesses with flexible access to top payment processors and gateways without being tied to any single provider. 

   Why I Picked Swipesum: Swipesum stands out as a reliable choice for hotel credit card processing by offering custom solutions that align with the complex payment needs typical in the hospitality industry. Through its tailored service, Swipesum identifies ideal processors for each hotel’s unique setup, often resulting in lower rates and better service. Additionally, its support for chargeback monitoring and prevention tools helps hotels manage potential payment disputes, keeping transaction processes smooth and secure. 

   Standout Features & Integrations

   Features include its AI tool, Staitment, which actively audits merchant statements to optimize rates and minimize fees. It also provides access to specialists who assist with custom payment integrations and builds.

   Integrations include Shopify, NetSuite, QuickBooks, Square, Stripe, PayPal, WooCommerce, BigCommerce, Magento, Revel, Lightspeed, Toast, and Clover.

   Pros and Cons

   Pros:

   • AI-driven statement analysis for transparent fee management
   • Supports chargeback management and fraud prevention
   • Processor-agnostic approach allows flexible provider options

   Cons:

   • Customized solutions can take longer to set up
   • Not ideal for businesses preferring a self-service setup
   Learn more about Swipesum:

   • Check out Swipesum on their website
2. 

   2

   Stripe

   Best for global payment acceptance

   • Free plan + Free demo available
   • From $0/month

   Visit Website

   Customer Rating:4.6/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Stripe is a versatile payment processing platform designed to handle online and in-person transactions. It offers a range of services to facilitate smooth financial operations for businesses of all sizes, making it a reliable choice for hotel credit card processing.

   Why I picked Stripe: Stripe's ability to process payments in over 135 currencies is invaluable for hotels that serve international guests. This global reach means you can accept payments from guests no matter where they're from, enhancing their experience and your service offering. Furthermore, Stripe's financial management tools, such as Connect, help streamline your hotel's financial operations by managing platform payments and global payouts. This functionality can simplify your hotel's back-office processes, allowing you to focus more on guest services.

   Standout Features & Integrations

   Features include the ability to issue physical and virtual cards, which can be useful for managing employee expenses or guest services. Stripe also supports over 100 payment methods, giving your guests the flexibility to pay in the way that suits them best. Additionally, its tax automation feature can automatically handle complex tax calculations, which is particularly useful for hotels operating in multiple jurisdictions.

   Integrations include WooCommerce, Adobe Commerce (Magento 2), PrestaShop, Shopware, WebToffee, WHMCS, Salesforce, NetSuite, SAP Digital Payments, Mirakl, QuickBooks, and Xero.

   Pros and Cons

   Pros:

   • Advanced feature set
   • Vast array of integrations
   • Powerful and flexible API

   Cons:

   • Can be complex for non-technical users
   • Higher costs for international payments
   • Pay-as-you-go pricing model might not suit all businesses
   Learn more about Stripe:

   • Check out Stripe on their website
3. 

   3

   Heartland

   Best for secure guest transactions

   • Free plan available
   • From $42/month

   Visit Website

   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Heartland is a provider of payment processing solutions designed to meet the needs of various industries, including hospitality. It offers a range of services that cater to businesses looking to manage transactions securely and efficiently.

   Why I Picked Heartland: I picked Heartland for hotel credit card processing because it offers secure payment processing solutions tailored to the hospitality industry. With Heartland Secure™, your hotel can protect against fraud and data breaches, ensuring that guest information remains safe. This level of security is crucial for maintaining trust with your guests.

   Another reason Heartland stands out is its ability to handle multiple payment methods, including contactless payments and all major credit cards. This flexibility allows you to cater to diverse guest preferences, enhancing the overall guest experience. With Heartland, you can focus on providing exceptional service without worrying about payment hassles.

   Standout Features & Integrations

   Features include a dedicated HR partner who offers personalized support and monthly check-ins to help improve your operations over time. Heartland also provides a 24/7 resource hub and compliance updates to ensure your hotel remains up-to-date with legal requirements. Additionally, its mobile app access allows you to manage HR tasks on the go, making it easier to stay connected with your team.

   Integrations include Empower, Fidelity, Vanguard, Voya, QuickBooks Online, Big Cartel, Planday, Workfeed, ForUsAll, ACH Payroll Direct Deposit, Heartland Hire, and Heartland Time.

   Pros and Cons

   Pros:

   • Tailored for the hotel industry
   • Integrated suite of hospitality services
   • Excellent customer support

   Cons:

   • Not all features may be useful for every hotel
   • Can be expensive for smaller hotels
   • Pricing is not transparent
   Learn more about Heartland:

   • Check out Heartland on their website
4. 

   4

   Adyen

   Best for integrated payment solutions

   • Not available
   • From $0.13 + payment method fee

   Visit Website

   Customer Rating:3.8/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Adyen is a financial technology platform that provides integrated payment solutions for businesses, including hotels. It supports both online and in-person credit card processing, allowing you to accept a variety of payment methods and local acquiring options to help expand your business globally.

   Why I Picked Ayden: I chose Adyen for hotel credit card processing because of its ability to integrate online and offline payment data. This feature helps you gain valuable insights for growth and fraud management, which are crucial in the hospitality industry. Additionally, Adyen leverages machine learning to enhance fraud protection and optimize transaction approval rates, ensuring your transactions are secure and efficient.

   Another reason for picking Adyen is its banking infrastructure, which allows you to manage your finances effectively. With the option to issue physical or virtual payment cards, you can instantly transfer funds and manage spending. This financial control is essential for maintaining smooth operations in the fast-paced hotel industry.

   Standout Features & Integrations

   Features include the ability to support various payment methods and local acquiring options, which aid in global expansion. The platform also provides insights on growth and fraud management by combining payment data, helping you make informed decisions. Adyen's machine learning capabilities enhance fraud protection and improve transaction approval rates, adding an extra layer of security to your payment processing.

   Integrations include Adobe Commerce (Magento 2), Salesforce Commerce Cloud (B2C Commerce), Salesforce Order Management System, Oracle NetSuite, Oracle Opera, Oracle Simphony, Oracle Xstore, Cegid Retail Y2, Microsoft Dynamics 365, Shopify, Mirakl, and BigCommerce.

   Pros and Cons

   Pros:

   • Data insights for optimizing customer experiences
   • Comprehensive feature set including global and multi-channel payments
   • Innovative, customer-centric approach to payments

   Cons:

   • Setup can be complex compared to other platforms
   • The platform may have a learning curve for some users
   • No flat-rate pricing, costs can vary depending on transaction type and volume
   Learn more about Adyen:

   • Check out Adyen on their website
5. 

   5

   Braintree

   Best for secure transaction processing

   • From 2.9% + $0.30/transaction

   Visit Website

   Customer Rating:3.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Braintree is a flexible payment processing solution that caters to various business needs, including those of hotels. As part of PayPal Enterprise Payments, it offers a secure platform that supports numerous payment methods and ensures compliance with industry standards.

   Why I picked Braintree: I picked Braintree for hotel credit card processing because it offers a secure and reliable platform. With PCI DSS Level 1 compliance, you can process transactions with peace of mind, knowing that your guests' data is protected. The adaptive fraud management feature also adds an extra layer of security, helping you detect and prevent fraudulent activities.

   Additionally, Braintree supports a wide range of global and local payment methods, which is essential for hotels serving international guests. Whether your clients prefer using credit cards, Venmo, Apple Pay, or Google Pay, Braintree has you covered. The ability to handle multiple currencies and markets also makes it a versatile choice for hotels operating in various regions.

   Standout Features & Integrations

   Features include a sandbox environment for testing, which allows you to explore the platform's capabilities without any financial commitment. This is particularly useful for developers looking to integrate Braintree with existing systems. The platform also provides extensive resources and support articles to help you optimize your payment processing experience. Lastly, the single platform design makes it easy to integrate with other services, ensuring that your team can manage payments efficiently.

   Integrations include Salesforce, HubSpot, Slack, Google Sheets, Xero, Mailchimp, QuickBooks Online, Microsoft Teams, Zendesk, Thinkific, Zoho Invoice, and Stripe (Legacy).

   Pros and Cons

   Pros:

   • Wide range of integrations
   • Supports multiple currencies
   • Versatile payment gateway

   Cons:

   • Transaction approval process can be time-consuming
   • Not the cheapest option for small transaction volumes
   • Requires some technical understanding to utilize fully
   Learn more about Braintree:

   • Check out Braintree on their website
6. 

   6

   SiteMinder Pay

   Best for fast reconciliation

   • From $50/user/month

   Visit Website

   

   SiteMinder Pay is a hotel payment processing solution designed to simplify payment management for accommodation providers. It allows hotels to process guest payments without manual credit card entry, enhancing efficiency and reducing cancellations.

   Why I Picked SiteMinder Pay: I chose SiteMinder Pay because it offers fast reconciliation through a real-time transaction dashboard. This feature ensures that you and your team can easily manage bookings and payments without hassle. Additionally, the automated payment scheduling allows you to set up payments based on predefined rules, reducing the time spent on manual processes.

   Another reason SiteMinder Pay stands out is its ability to process instant payments and refunds from over 450 online channels with just a click. This feature reduces the risk of revenue loss from failed transactions or no-shows. Plus, credit card validation ensures that the cards used for reservations are valid, providing peace of mind for both you and your guests.

   Standout Features & Integrations

   Features include security compliance with PCI-DSS and PSD2 SCA standards, ensuring that all transactions are secure, and your guests' data is protected. It also supports flexible payment options, allowing you to accept major credit cards, virtual cards, Apple Pay, and Google Pay. With daily payouts, your cash flow visibility is enhanced as payments are automatically deposited into your preferred bank account every day.

   Integrations include Online Travel Agencies (OTAs), Global Distribution Systems (GDS), Wholesalers, Hotel Booking Engines, Property Management Systems (PMS), Central Reservations Systems (CRS), Revenue Management Systems (RMS), and Meta Search platforms.

   Pros and Cons

   Pros:

   • Multi-currency support
   • Secure card storage feature
   • Seamless integration with booking systems

   Cons:

   • Limited customization options
   • Learning curve for some users
   • Can be pricey for smaller businesses
   Learn more about SiteMinder Pay:

   • Check out SiteMinder Pay on their website
7. 

   7

   Elavon

   Best for secure hotel transactions

   • Free plan available
   • From $20/user/month (billed annually)

   Visit Website

   

   Elavon is a payment processing service that caters to small businesses, including those in the hospitality industry. It provides secure and reliable options for handling credit card transactions, making it a valuable tool for hotels looking to manage their payment processes.

   Why I Picked Elavon: I chose Elavon for its specialized credit card processing solutions that are designed specifically for hotels. You can benefit from its ability to handle various payment methods, ensuring that guests have a smooth checkout experience. Additionally, Elavon offers support through its 24/7 customer service, which is crucial for hotel operations that run around the clock.

   Another reason Elavon stands out is its transparent pricing model. You won't have to worry about hidden fees, which can often be a surprise with other payment processors. This transparency allows you to focus more on enhancing guest experience rather than dealing with unexpected costs. Elavon also ensures secure transactions, which is a top priority for any hotel handling sensitive guest information.

   Standout Features & Integrations

   Features include faster funding options that can help your business maintain a healthy cash flow, providing the funds you need when you need them. Elavon's comprehensive business management tools are integrated into their point-of-sale systems, allowing you to efficiently track and manage transactions. The service is backed by U.S. Bank, giving you an extra layer of trust and reliability in their solutions.

   Integrations include WooCommerce, Cube Cart, Lemonstand, BigCommerce, Ultra Cart, 3dcard, and more.

   Pros and Cons

   Pros:

   • Advanced data analytics
   • Tailored solutions for the travel industry
   • Wide global reach

   Cons:

   • Some third-party integrations might require additional cost
   • Annual billing might not fit all businesses
   • Pricing may be higher for small businesses
   Learn more about Elavon:

   • Check out Elavon on their website
8. 

   8

   Plooto

   Best for vendor card payments

   • 30-day free trial
   • From $9/month

   Visit Website

   Customer Rating:2.5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Plooto is a payment automation platform designed to simplify the way businesses handle their accounts payable and receivable. By automating these processes, it allows you to focus more on your core business activities rather than getting bogged down with manual payment tasks.

   Why I Picked Plooto: I picked Plooto for hotel credit card processing because it allows payments using credit cards even if the vendors don't accept card payments. This can be particularly helpful for hotels that need to manage cash flow without being restricted by vendor payment preferences. Additionally, Plooto ensures secure transactions with bank-grade encryption and multi-factor authentication, which is crucial for protecting sensitive financial data in the hospitality industry.

   Another reason Plooto stands out is its support for international transactions, which is a significant advantage for hotels dealing with global vendors or international guests. This feature allows you to manage payments across different currencies without the hassle of dealing with multiple payment systems. By automating accounts payable and receivable, Plooto reduces manual entry, saving you time and reducing the potential for errors.

   Standout Features & Integrations

   Features include automated approval workflows that help streamline the process of getting payments approved, reducing unnecessary delays. Plooto also offers detailed audit trails, providing transparency and accountability for every transaction made. The platform also supports batch payments, which can save time when processing multiple transactions at once, making it a practical choice for busy hotels.

   Integrations include QuickBooks, Xero, and NetSuite.

   Pros and Cons

   Pros:

   • Automated processes to streamline operations
   • Integrations with major accounting software
   • Comprehensive features for managing accounts payable and receivable

   Cons:

   • The platform's full potential is best utilized with other software integrations, meaning standalone use may be less effective
   • May have features unnecessary for small businesses
   • Per-transaction fees are in addition to the monthly cost
   Learn more about Plooto:

   • Check out Plooto on their website
9. 

   9

   Clearly Payments

   Best for versatile payment methods

   • Trial information not available
   • From $15/user/month (billed annually)

   Visit Website

   

   Clearly Payments is a service designed to cater to the hospitality industry's payment processing needs, including those of hotels. It offers a variety of payment solutions that ensure quick and secure transactions, making it an attractive option for businesses looking to enhance their payment procedures.

   Why I Picked Clearly Payments: One of the reasons I picked Clearly Payments for hotel credit card processing is its ability to handle various payment methods through payment terminals, POS systems, and virtual terminals. These options allow your hotel to accept payments in multiple ways, catering to different guest preferences and enhancing their overall experience. Another compelling feature is the hosted payment pages, which provide a secure way for guests to make payments online, reducing the risk of chargebacks and ensuring that your funds are protected.

   Additionally, Clearly Payments supports recurring payments and invoicing, which can be particularly beneficial for hotels offering membership programs or extended stay packages. This feature ensures that you can manage regular billing without hassle, freeing up more time to focus on other aspects of your business. The mobile payment processing feature also allows your staff to process payments on the go, ensuring that your guests can pay from anywhere within your hotel premises, increasing convenience and customer satisfaction.

   Standout Features & Integrations

   Features include quick access to funds, typically within one day, which ensures that your hotel maintains a healthy cash flow. The service also prioritizes low-cost payment processing solutions, using advanced technology to keep expenses down while maintaining high transaction security. Their dedicated support team is available 24/7, providing assistance whenever you need it, ensuring that any payment issues are resolved promptly to keep your operations running smoothly.

   Integrations include WooCommerce, CubeCart, WordPress, Authorize.Net, Shopify, BigCommerce, 3dcart, Magento, Wix, Fusebill, Chargebee, and Recurly.

   Pros and Cons

   Pros:

   • Strong integration capabilities
   • Ability to handle various payment types
   • Advanced payment technology

   Cons:

   • Higher tiers can be pricey for small businesses
   • The user interface could be more intuitive
   • Limited presence outside North America
   Learn more about Clearly Payments:

   • Check out Clearly Payments on their website
10. 

    10

    Sertifi

    Best for secure transactions

    • From $20/user/month (billed annually)

    Visit Website

    

    Sertifi offers a comprehensive solution for hotel credit card processing, designed to simplify and secure transactions. By providing digital contracts, payment processing, and card authorization services, Sertifi enhances both operational efficiency and guest convenience for hotels.

    Why I Picked Sertifi: I picked Sertifi because it digitizes and automates online payment requests, making it easier for hotels to capture card-not-present deposits and final payments. This feature reduces fees and speeds up the overall payment process, which is a big plus for any hotel. Moreover, Sertifi's e-signature software allows you to finalize contracts and other documents conveniently, which is crucial in managing the myriad of paperwork hotels deal with daily.

    Another reason I chose Sertifi is its advanced fraud detection tools that help reduce chargebacks. This is particularly beneficial for hotels that deal with numerous transactions and need to maintain security. The platform also ensures PCI compliance, providing peace of mind by protecting sensitive payment information. These features together create a secure environment that both you and your guests can trust.

    Standout Features & Integrations

    Features include customizable portals that enhance guest convenience by allowing easy access to credit card authorization forms. Sertifi supports both card and ACH payments, providing a cost-effective alternative to traditional credit card transactions. Additionally, the platform facilitates faster staff onboarding, helping your team get up to speed quickly and efficiently.

    Integrations include Amadeus Delphi.fdc, Infor HMS, Oracle OPERA Cloud Service, Thynk.Cloud, Authorize.net, Cybersource, Elavon, Shift4 Payments, Stripe, Salesforce, Cloudflare, and Okta.

    Pros and Cons

    Pros:

    • Wide range of integrations
    • Integrated digital signature and payment capture features
    • Strong emphasis on security

    Cons:

    • Some features may require a learning curve
    • Annual billing may not suit all businesses
    • Pricing could be high for small businesses
    Learn more about Sertifi:

    • Check out Sertifi on their website