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OwnerRez offers many different payment processing options including the ability to accept credit cards.  However, we are not a credit card processor ourselves.  Instead, we integrate with dozens of industry-standard processors and gateways, so you're free to pick and choose which processor you want to use, and OwnerRez will connect with it and happily process your guest's credit cards under the covers

We are often asked which credit card payment processors we recommend.  The short answer is: the one that works well and gives you the best deal!  Everyone's business is different, and we have clients happily using all of the many processors we support.

That said, if you don't already have a payment processor and aren't friends with a banker who can hook you up, here are some suggestions based purely on our general experience.  All of them are solely our opinion, exceptions are always possible, and the policies and procedures of these independent companies can and do change over time.

Recommended Processors

If you are able to get an account with Lynnbrook, you won't regret it. Please note: Lynnbrook Group does not support Security Deposit Holds, only Refundable Security Deposits. Learn more about getting a Lynnbrook account here.

Lynnbrook is currently limited to providing accounts for companies based in the United States.

Probably more OwnerRez clients use Stripe than anything else.  That's because they'll give almost anyone an account, in almost any country, no matter how small, and usually overnight or within a couple of days.  We are not aware of any other processor that is able to set up new accounts as quickly as Stripe can.

This is particularly useful if your business is set up to require a separate account for each property - each individual account will necessarily be fairly small, and most processors won't do that for you.  Stripe doesn't care.

Don't forget that you have to make special configuration settings in their control panel to get their accounts to work with OwnerRez.  Also, their rates are generally not the lowest available.  But they're fast!

We also recommend using Stripe to get the ball rolling while you are waiting for an account from one of our other options.  It's easy to change processor accounts in OwnerRez at any time without affecting your guests.

Worldline, formerly known as Bambora, is a payments provider that offers both merchant accounts and gateway processing. They provide a suite of payment offerings to both Canadian and American businesses, and signing up for an account is simple and takes only a few days to begin processing. To get started, you’ll need a copy of your photo ID (e.g., driver’s license) and a recent bank statement or voided check from your business account.

They have an in-house team of experts ready to support you with any questions or concerns, plus an account manager just for OwnerRez users!

OwnerRez’s account manager is:

Alycia Robinson

Account Manager

Worldline Merchant Services

Phone: 250-483-1236

Sales Line: 1-888-472-2072

Email: alycia.robinson@worldline.com

Feel free to contact her directly with questions. Here are some common ones:

Why does Worldline request a bank statement?

The main reason processors need to check your bank statement is “asset verification.” Worldline needs to ensure there is enough money in your account to cover returns and fees – this is to certify that you are in good financial standing for the passage of legal transactions.

What fees does Worldline charge?

Worldline charges a one-time setup fee and a monthly fee. In return, Worldline has no contracts, termination fees, statement fees, storage fees, and access fees. Plus, their excellent fraud prevention tools are free, and you receive unlimited settlement reporting.

Does Worldline offer same-day sign-up?

Worldline practices industry-leading risk assessment upon signup that usually takes a couple days to verify. Although other processors may be able to establish your account immediately, if they audit your account a few weeks or months down the road, they are fully entitled to hold your funds until they complete their risk assessment. While it may take slightly longer, Worldline chooses to underwrite each account during setup to eliminate these impactful speed bumps. Underwriting takes the risk off your business and ensures you are fully ready to begin processing.

Good Options

Ascent is an independently-owned partner providing payment expertise through programs with customized chargeback and support services, and security measures designed specifically for Vacation Rentals.

Here's a custom application form for getting a free competitive analysis or an Ascent account.  You can also call 888-721-9301 or write info@ascentpaymentsolutions.com.

Ascent is currently limited to providing accounts for companies based in the United States.

Other Options

Don't be confused by the name.  MerchantAccounts.ca serves Canada, the Caribbean, the UK and EU.  They are a Visa and Mastercard registered ISO, and have a network of processing banks and partners that they work with. They specialize in finding the best credit card processing options for your international business from among the many, many banks that offer such services, working to document your risk profile to reach the lowest possible rate.

If you are not based in the United States and process, on average, more than $10,000 USD or the equivalent per month, you should speak with David Goodale.  He can be reached at david.goodale@merchant-accounts.ca, or call him at 888.414.7111 ext. 5.

Think of them like an independent insurance or mortgage broker.  If you decide you don't like the options they find for you, you are under no obligation to sign up for them.