Get approved in as little as 24 hours. No setup fees, no hidden costs.
Get Started FreeHigh-Risk Industries · Hotels & Hospitality
A merchant account from PayKings covers every payment your property takes. We underwrite hospitality specifically, so the account is built for how hotels actually run. Most merchants are approved within 24 hours, and pricing starts at interchange plus 0.80%, with every fee disclosed in the merchant service agreement before you sign.
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What underwriters ask for
By the numbers
10,000+
Merchants approved across high-risk industries.
86%
Approval rate for the high-risk merchants who apply.
24hr
Average approval time once underwriting has your documents.
$2B+
Processed annually through PayKings merchant accounts.
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Merchant services
High-risk merchant accounts are all we do, and our merchant services for hospitality operators come from one provider:
Whether you run a boutique inn or a multi-property group, the account scales with the operation.
If your portfolio includes long-term rentals, we also offer payment solutions for property management companies.
Payment methods
Your guests choose the payment method; your account should handle all of them. In-person, online, and mobile payment processing all run through the same account and reconcile in the same reporting.
Holds & adjustments
Hospitality runs on holds and adjustments, and generic payment systems handle them badly. We support:
Each of these has rules attached. Before you set your deposit and no-show policies, review the card network rules for hotel and vacation rental charges so routine adjustments do not turn into declines or disputes.
Security
Guest card data is protected at every step. Our processing meets the highest level of Payment Card Industry Data Security Standard (PCI DSS) requirements, with tokenization and encryption on every transaction, and 3D Secure authentication available for online bookings.
We partner with trusted acquiring banks to keep risk management current, so a busy season does not put your account at risk.
Pricing
Every hotel operates differently, so we offer three pricing models:
Every fee is disclosed in the merchant service agreement before you sign. Your rate reflects your card-not-present mix, chargeback ratio, and average ticket size — get a hotel merchant account quote to see exact numbers for your property.
Risk & chargebacks
Chargebacks from online bookings, cancellations, and disputed incidentals are the main reason hotels lose processing accounts. We provide chargeback prevention and dispute resolution tools alongside advanced fraud detection that flags suspicious activity before it reaches your account.
Booking fraud has its own patterns — our guide to online fraud in the travel industry covers what to watch for.
Getting set up
Our online application is built for hospitality businesses.
Bank statements, processing history if you have it, and standard business documentation.
Most merchants are approved within 24 hours. If underwriting needs anything further, we name the document and the reason.
We connect the gateway to your PMS and POS, and you start accepting payments across every channel.
What's included
The difference
Built for the businesses other processors turn away.
FAQ
Costs, approval timelines, eligibility, and how hotel payments settle
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
