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Payment methods

OwnerRez offers many different ways to accept payment from your guests.

As an independent software product for vacation rentals, we do not dictate what specific payment method or listing site you use. We integrate with a variety of payment methods, so that you have the tools you need to work in the way that is best for you.


We integrate with more than twenty (20) credit card processors/gateways. In addition to credit cards, you can also accept PayPal, check and "custom instruction" payments. Custom Instructions are where you define ACH or some other manual way you want guests to pay you.  Our system handles auto-cancellation and reminders if the manual payment doesn't show up.

If you want to begin accepting credit cards but don't have a merchant account, we recommend Lynnbrook Group. Lynnbrook knows vacation rentals, so they can get you the best rate and avoid issues with long term delivery that other processors have. Tell them we sent you and they'll get you hooked up!

Supported Payment Methods

Here is a picture showing all the payment methods you can use with our system.  Click on the picture for a larger view.

Getting Started

To add a payment method, go to Settings and click on Payment Methods.  Click the "Connect..." button on the payment method you want to use and then fill out the information that is asked for.

If you Connect to PayPal, it will take you to a PayPal login page where you will authorize OwnerRez to transact on your behalf using whatever PayPal account you logged in with.

If you Connect to a credit card processor/gateway, you will need to fill in API Credential information which the processor/gateway will provide to you.

As you fill out the information for credit card payment methods, please remember that it needs to reflect exactly what your processor (or gateway) has on file.  For instance, if you don't currently accept American Express and want to start accepting it, changing it in the payment method alone will not work because your processor (or gateway) does not have that on file.  You have to first change it with them and then update the payment method in OwnerRez.

Accepting Credit Cards, Checks and PayPal Together

You can do that! You can add as many payment methods to your account as you want.  If you want to offer guests an option to pay by credit card or check (or even a custom method) just Add Checks and then Add Custom Instructions and fill them all out.

However, you can only add one credit card-based payment method for each property.  This limitation is in place because we have to know which credit card method to use when running the guest's card.

You can also offer PayPal in addition to a credit card-based payment method.  If you added everything, the guest would see payment options like this on their quotes:

Different Credit Card Accounts for Different Properties

On each payment method, you can specify the specific properties that that payment method will be used on.  This is helpful because it allows you to route money to the appropriate bank account.

For instance, you may manage properties for 3 or 4 different owners, each of which take credit card deposits in their own separate bank accounts.  We fully support that.  Just add a credit card payment method for each owner and specify which property each payment method is used for.

As another example, you may want each property to have their own credit card merchant account.  This can be useful because each credit card account will show a separate DBA name on the guest's credit card statement so they'll know instantly what the charge is for.  This can be useful in reducing disputes or chargebacks.

Common Problems

There are a couple of common problems that users tend to run into.  If you have a problem with payments, check out the below sections to see if one of these sounds familiar.

If it's something else other than what we have below, shoot us an email and we'll let you know what's going on.

No Payment Option Showing for Guest

If you send a quote to the guest, or other payment form, and they're seeing "please contact us directly for payment", then you haven't configured payment methods correctly.

One of the following is happening:

  • You have no payment methods entered at all
  • Your payment methods are disabled
  • The "used on property" field does not include the current property that your quote or booking is for
  • The property rules are preventing the check or custom instruction payment methods from being used because the booking's arrival date is too close to the current date
  • You have a single PayPal payment method in place but also have "confirmation required" turned on in your property rules.  Confirmation does not work with PayPal payment methods; it only works with credit card payment methods

Check Option Not Showing Up for Guest

On the quote or payment forms, your guest may see credit card options but not the check payment option.  If that's the case, one of the following is happening:

  • You have no check payment methods entered
  • Your check payment method is disabled
  • The "used on property" field on your check payment method does not include the current property that your quote or booking is for
  • The property rules are preventing the check option from being used because the booking's arrival date is too close to the current date

Most of the time, it's the property rule that is causing the check option not to show.  If you're curious, the purpose of the property rule is to make sure you get paid before someone stays at your property.  If the booking is last minute (ie. just a few days away) you don't want someone selecting "I'll pay you by check" and then arriving at your property before the check clears.  They could send you a bad check which you don't know about until after the booking is over.  You are free to change the property rule to any number of days you want.

Test, Test, Test

To really test your payment methods thoroughly, do a test transaction using a real credit card. There is no way to really know for sure that your payment methods are right unless you run a real credit card.  To do that, create a quote, open it yourself (as if you were the guest) then step through the process and pay for the quote using your own real credit card.  Once it goes through successfully, open the new booking, open the payment and use the Void & Delete option to void the credit card payment. Then cancel or delete the booking. That will show you definitively that everything is good to go.  The Void & Delete option will make sure that the credit card transaction does not go through settlement.  Nothing will touch your bank account, and you will not get hit with any fees from your processor.