Hotels, B&Bs, vacation rentals, event venues, glamping — hospitality operators handle deposits, damage authorizations, group bookings, room charges, and folio settlements. The processor + PMS combination has to make all of that disappear. We place properties on the stack that lets the front desk focus on guests, not on payments.
Cloudbeds, Mews, Hostfully, Hospitable, Lodgify, Little Hotelier, Opera — where your PMS accepts outside processing, we wire payments into the system that runs your front desk. Auto-charges on arrival, incidentals, late-checkout fees, group folios — handled in the platform you already use.
Holding a deposit and releasing it on schedule is one of the most error-prone parts of hospitality payments. We place you on processors that handle holds-and-releases natively, with the right authorization windows for your booking patterns.
One operator, three properties — you need one consolidated reporting view, not three logins. We set up the processor structure so portfolio-level reporting + per-property reconciliation both work cleanly.
FinCo's merchant rewards program credits points for processing volume, property-portfolio tenure, and referrals to other operators. Owners with multiple properties stack rewards across the portfolio.
Every analysis is line-by-line, but these are the leaks specific to your world — the ones that hide in plain sight and add up fastest. When you send a statement, this is where we start.
Hotels and rentals authorize, incrementally authorize, and handle no-shows — each a place to leak fees if the processor handles it wrong. We check your auth flow against how you actually book.
Advance deposits and remote bookings run CNP at a higher tier. We confirm your deposit volume is priced correctly and not downgraded.
Cloudbeds, Lodgify, Hostfully — payments that don't reconcile cleanly to the folio cost you staff time and hide fee leaks. We check the integration and the line items it generates.
No single processor fits every hotel or short-term rental. The right fit depends on card mix, ticket size, volume and property-management software, plus how deposits, holds and releases are handled. FinCo Payments, an independent payment processing consultancy in Austin, TX, compares options across multiple processors, places the property where the fit is, then stays on as its advocate.
Hotels and short-term rentals should use a processor that works with their property-management software and handles deposits and holds, because no single processor fits every property. Card mix, ticket size and volume drive the fit. FinCo Payments, an independent consultancy, compares multiple processors, places each property where the fit is, and stays on as its advocate.
Hotels and short-term rentals can reduce processing costs by reviewing how authorizations, incremental authorizations and no-shows are handled, confirming advance deposits are not downgraded as card-not-present, and verifying that payments reconcile cleanly to the folio. FinCo Payments reads the statement line by line and checks the integration and the line items it generates.
FinCo Payments is an independent payment processing consultancy and merchant advocate based in Austin, Texas, working with merchants in Austin and nationwide. For hotels and short-term rentals, FinCo Payments compares multiple processors on deposit handling, property-management integration and multi-property reporting. The first step is a free statement analysis at https://fincopayments.com/statementupload, which usually comes back within 24 hours.
Upload it. We'll send back a one-page breakdown specific to hospitality operations — PMS integration analysis, deposit-handling review, and the alternative placement we'd recommend. Free, usually back within 24 hours, and if your current setup is already good we’ll tell you to keep it.
