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Processors & Gateways - Recommended

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.

Bambora (a Worldline brand), sometimes referred to as BeanStream, also tends to be quite fast at granting accounts as well as somewhat more expensive.  Plus, they excel at providing accounts for Canadians, as well as Americans.  The documentation required is not too bad - a copy of your photo ID (e.g., Drivers License), and a copy of a recent bank statement or voided check from your business account.

Their account manager for OwnerRez users is:

Sheila Barton
Sales Coordinator & Account Manager, North America
Work (direct): 250-483-1291
Sales Line: 1-888-472-2072
Email: sheila.barton@bambora.com

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

Why does Bambora request a bank statement?

The main reason processors need to check your bank statement is “asset verification”. Bambora needs to ensure there is enough money in your account to cover returns and fees, and certify that you are financially healthy with the passage of legal transactions.

There are set up and monthly admin fees, where other companies do not charge for those.

Bambora charges a one-time setup fee and monthly fee – In return, Bambora has no contracts, no termination fees, no monthly minimums, no statement fees, no storage fees, and no access fees. Fraud prevention tools are free, and you get free and unlimited settlement reporting.

Bambora takes days to get me started, other companies have same day activation.

Bambora practices industry-leading risk assessment upon signup. Other competitors can establish your account right away, but if they choose to audit your account a few weeks or months down the road, they are fully entitled to hold your funds until they complete their own risk assessment. Bambora chooses to underwrite each account during set up, to eliminate these impactful speed bumps.

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.