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OwnerRez APIs

Payment Processing

Property Management





In order to use your Converge (sometimes called Elavon) gateway account with OwnerRez, there are a set of API credentials that Converge will send you and you will need to enter in OwnerRez.

Because of various corporate mergers, the Converge/Elavon control panel is not always the same for every account.  So yours may not look identical to our screenshots, or necessarily need exactly all of the steps described here.  You may have to do a bit of trial-and-error with the suggestions and error handling on this page to get it to work, but don't despair!  There's always a way to do it; it just may require a bit of poking around.

Business Location Requirements

Converge (sometimes called Elavon) accepts businesses with a business address and bank location in the following locations.

  • United States
  • Canada


Converge supports the following currencies. Visa and Mastercard only.

  • USD
  • CAD

If the vacation rental property is located in another country (EX: Jamaica, Mexico, Carribean, Europe etc...), Converge may be able to support other currencies as long as the legal entity is located in the US or Canada. For more information regarding currencies accepted, contact Elavon at custsvc@elavon.com.

General Setup

When you add the Converge payment method in OwnerRez, you will need to enter three fields under "API Credentials" at the top of the page:

  • Converge Account ID
  • ssl_user_id
  • ssl_pin

These items are provided to you by Converge. You can also find them in your converge account by following these steps:

1. Go to https://www.convergepay.com and log in with your account credentials.

2. In the upper right, you will find the Converge Account ID.

3. Next, click Employees.

4. Then click on the Employee ID labeled webpage (this could also be labeled api or apiuser).

5. From there, you'll need to click on Show Pin.

6. Now you'll see the ssl_user_id and the ssl_pin. Copy and paste them into OwnerRez.

Remove Required Fields

Converge allows you to set required fields across the integration. OwnerRez sends card info but does not send all of the contact info fields, so if they are set required in the Converge gateway settings, that can cause an issue. To fix this, login to the Converge virtual terminal which should be at the following URL:


Go to the Settings > Payment Fields section:

Under the Billing Address section, make sure that only Address 1 and Postal Code are required and the rest of the fields are set to not required. To do this click the edit button next to Address 1 and Postal Code:

Then check Required Field and click Update. Do this for Address 1 and Postal Code:

Common Issues & Questions

To really completely test your integration, please do a test transaction using a real credit card.  There is no better way of testing your API Credentials than running a real credit card.  To do that, create a manual booking, and collect a payment using your personal credit and a small amount (say $5).  Once it goes through, use the Void & Delete option on the payment to void the credit card payment.  Then cancel or delete the booking.  That will tell you definitively that everything is good to go.

How do I handle an Error Stating That My Account is in Mail Order Telephone Order (MOTO) Mode?

All Converge accounts should automatically be set up in eCommerce mode. If you run into an error stating that your account is in Mail Order Telephone Order (MOTO) mode, contact Converge at this number 1-800-377-3962 (option 2, option 2) and ask them to switch your account to eCommerce mode. Mail Order Telephone Order (MOTO) mode will not work - our attempts to make charges will be denied, and OwnerRez will throw an error like this:

How do I handle "API/post type transactions" or "auth only transactions" Being Turned Off or Disabled errors?

Note that there are other configuration issues at the Converge end which can cause the same error, such as "API/post type transactions" or "auth only transactions" being turned off / disabled and needing to be turned on / enabled.

How do I handle IP Address or XML Document Errors?

If you encounter an IP address error or an There is an error in XML document (0, 0) error, you should contact Converge and give them the OwnerRez IP addresses to make sure those are allowed.

My International Guests Keep Getting Credit Card Payment Failures.

Even though OwnerRez users may have Dynamic Currency Conversion (DCC) set up properly in their Converge account, some international guests may still experience credit card payment failures. If you continue to have these issues, OR recommends turning off the Dynamic Currency Conversion (DCC) in your Converge account. 

Bookings will be successful with DCC turned off as any currency conversions will occur automatically and the guest won't get the option to see the amount in their foreign currency as they would with DCC -- they'll only see the amount you quote in your currency. Depending on the guest's card, they may also have to pay a currency conversion fee to convert from their currency to yours. Elavon/Converge should be able to tell you exactly what the difference is. 

Converge is "downgrading" my charges because of missing information, and making me pay exorbitant fees.

This is happening because your account was set up incorrectly when it was created, and your business was improperly categorized as "Lodging" MCC code.  While that seems logical, it's wrong, and causes improper risk management of your charges.

"Lodging" charges require check-in/check-out and room number to be passed, which isn't applicable for vacation rental properties and which OwnerRez does not do.  The MCC code you want is 6513 (Real Estate Rentals), and OwnerRez does automatically pass the required fields for that one.  Converge tech support should be able to fix the wrong MCC code at their end, and this problem will go away.

Can I void a transaction?

OwnerRez users should follow the instructions to process a Cancellation Within 24 Hours of Booking, but for a definitive answer about handling your payment processor, see Converge's Void Transactions support article.