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Payment (credit card) processors

Jun 10, 2021 5:26 PM
Joined Feb, 2021 37 posts

OR has a couple of dozen payment processors it easily connects to (or so it would suggest from the payment tab menu). However most of these are US based... which is to be expected given OR's US based roots.

But with regards to international customers like ourselves (UK Based), what are our options?

Is it possible to connect any payment processing provider to OR? If so, how do we go about integration?

If not, what about international branches of the current names listed? For example Authorize.net's European arm is Cybersource, can they connect in the same way Authorize does?... Sage in the UK is now know as Opayo (part of Elavon which is see mentioned now and again), can Opayo/Elavon connect to OR in the same way as Sage US does?

Essentially what are our options as UK based customers of OR, to connect credit/debit card processors to OR's back end system?


Ken T
Jun 10, 2021 9:26 PM
Joined Aug, 2019 1707 posts

This is an excellent question, and one for which the answer is not fully known and ever-changing.

1. If Stripe works in your country, then that will almost certainly work with OwnerRez for you. We are fully 3DS compliant and integrated with them.

2. As you noted, several of the major interchanges have international partners or parent companies, like Authorize.net and Elavon. As far as I'm aware, we don't have any international clients that are actually using them, so I can't say for sure if they'd work. If you'd like to give it a try, we'd be glad to help work with you and find out.

We are aware that our overseas coverage is not as good as it should be, and are working to fix that. It's surprisingly hard though, as the various systems often don't play well together, even within the same corporate entity.

Tarkan C
Dec 29, 2022 4:41 PM
Joined May, 2020 65 posts

I wonder if there is a current list for OR supported payment processors that work for UK businesses?


Does Opayo work with OR? 


Stripe fees are so high, so I'm desperate to find a good and less expensive solution.


Here are two Opayo plans that would save me hundreds of bucks every month:


Flex - from £25 p/m

- 350 transactions per month - Free fraud screening tools - No set up fees - 24/7 support - Virtual terminal included (MOTO) - No fees for refunds


Plus - £45 p/m

- 500 tokens per month - Free fraud screening tools - Access to Fast Pass customer support - From 9p per transaction above 350 transactions - Accept a range of local European Payment types

Rex C
Dec 29, 2022 6:11 PM
OR Team Member Joined Aug, 2021 50 posts

Opayo does not integrate directly with OwnerRez, however they may work through one of our integrated gateways such as Authorize.net or Converge. Our Processor Recommendations page does have information at the bottom for MerchantAccounts.ca who do offer multiple banking options in the UK as well.


Aunger Vacation
May 13, 2023 7:21 PM
Joined Apr, 2021 49 posts

Hi there Ken and Team 

How do we enable 3DS ? 


Ken T
May 14, 2023 1:10 AM
Joined Aug, 2019 1707 posts
Aunger Vacation
May 20, 2023 11:00 AM
Joined Apr, 2021 49 posts

HI there Ken 

Totally and we work with Stripe and hope to check how to enable it because they are not receiving any 3DS2 requests even for people with cards that should have been 3DS2 



Chris Hynes
May 20, 2023 11:40 AM
OR Team Member Joined Oct, 2012 1400 posts

What is the source of the card? For direct bookings, Stripe will perform 3DS2 verification automatically if needed. Vrbo should send 3DS2 verification if needed -- if not, send a ticket to the helpdesk with details about the booking and we'll have a look.

Booking.com does not support passing guest credit cards with 3DS2 -- the only way BDC supports secure verification is if you use booking.com payments and have them run the guest card and then pay you out separately via bank transfer or virtual credit card. Here's their article on the topic: Booking.com: What is Strong Customer Authentication?