Hi all,
I’m hoping to compare notes with other UK/EU hosts because I’m running into the same recurring issue with Stripe and security deposits, and I’m trying to work out whether anyone has found a reliable alternative.
The core problem: Stripe only supports 7‑day pre‑authorisation holds. Under UK/EU SCA rules, once that hold expires, Stripe requires a second SCA challenge to re‑authorise the card. Guests often ignore or fail that challenge, which means the security deposit fails and I end up manually chasing them — or they arrive with no valid hold in place.
This isn’t a configuration issue; it’s a limitation of Stripe’s SCA implementation.
What we actually need in the UK/EU: A processor that supports 30‑day rolling pre‑authorisations with automatic re‑authorisation every 28 days, so a booking made months in advance keeps a valid hold without needing the guest to authenticate again.
Hotel‑grade processors like Adyen, Opayo, Trust Payments, and Worldline all claim to support this in the UK. However, the OwnerRez documentation currently says that Worldline (for example) is limited to 7‑day holds inside OwnerRez, even though Worldline’s own UK merchant docs say they support 30‑day rolling holds.
So I’m trying to understand whether this is:
a limitation of OwnerRez
a limitation of the integration
or simply something no UK/EU host has implemented yet
I’d also really like to hear from anyone running multiple merchant accounts. I currently have eight different Stripe accounts, one per property, all connected to a single OwnerRez setup. Stripe handles this fine, but I need to know whether any alternative gateway (Worldline, Opayo, Trust Payments, etc.) can support the same structure — with each property mapped to its own merchant account.
So my questions for other UK/EU hosts are:
Has anyone successfully implemented rolling 30‑day pre‑authorisations with any gateway through OwnerRez?
Does Worldline, Opayo, or Trust Payments actually support long‑term holds inside OwnerRez, or are they capped at 7 days?
Is anyone running multiple merchant accounts (one per property) with a non‑Stripe gateway?
Has anyone found a UK/EU‑friendly solution that avoids charging the deposit upfront or switching to a damage waiver?
Stripe is great for normal payments, but for security deposits in the UK/EU it just doesn’t meet the legal or practical requirements. I’d really appreciate hearing what’s working for others.
Thanks, James
