How do hospitality payments work? A guide to integrated solutions

How integrated payment systems improve hospitality businesses across hotels, rentals, and more.

How integrated payment systems improve hospitality businesses across hotels, rentals, and more.

Blog banner hospitality

If there’s one constant in the hospitality industry, it’s that no two businesses run the same way.

A boutique hotel, a beachfront holiday rental, and a sprawling holiday park may all offer a place to stay, but how do they process payments? That’s a whole different story.

And yet, many payment providers seem to miss that. They offer one-size-fits-all setups that don’t reflect how people book, stay, check out, and pay. You need flexibility. You need control. Ideally, you need something that works quietly in the background while you focus on delivering a great guest experience.

That’s where integrated payments come in. This guide is a summary of what works, what to avoid, and how integrated payments can give your business more control and flexibility.

Let’s start with the PMS, a key piece of hospitality technology

What is a property management system (PMS)?

A property management system, or PMS, is the central software that handles day-to-day operations. Bookings, calendars, check-ins and check-outs, housekeeping, guest communication, and invoices all run through the PMS.

And when it’s set up correctly, payments can also run through it.

This is where things get really efficient. You can manage guest stays and take payments from the same place. No jumping between systems. No copy-pasting. Just clean, streamlined processes that make life easier.

A few typical PMS setups:

  • Hotels with multi-room bookings and on-site payments.

  • Holiday rentals using platforms like Airbnb or their own booking site.

  • Landlords managing tenant payments across multiple properties.

Integrating your payments into your PMS means you’re not just collecting money. You’re improving the entire experience for your guests, your staff, and yourself. 

How hotel payments work

Whether you’re running a boutique hotel or managing a portfolio of long-term lets, your payment needs will be different. Here’s how payments vary across the most common hospitality business types.

What’s important for hotels? 

For hotel owners and operators, key priorities include managing multiple payment touchpoints (online, front desk, and restaurant/bar), handling pre-authorisations and deposits securely, offering various payment methods (including international cards and currencies), minimising no-shows, and ensuring quick, error-free check-ins and check-outs. 

For hotel groups and franchises, centralised reporting and consistent payment experiences across properties are also vital.

The complexity of hotel payments: 

Hotel payments are rarely simple. Guests might book online via your website or an OTA (Online Travel Agency), pay at reception, charge extras to their room, or settle the bill with a payment link after their stay. You’re managing payments across multiple channels, sometimes in multiple currencies. This is why omnichannel payments are essential. If you’re working with platforms like Stardekk or Booking Experts, you’ll also want the option to take direct bookings and payments to maximise revenue.

Relevant payment methods for hotels:

  • POS terminals: Chip & PIN, contactless, mobile payments for front desk, restaurant, and other on-site sales.

  • Online card payments: Visa, Mastercard, American Express, and other major credit cards for website bookings.

  • Digital wallets: Apple Pay, Google Pay, PayPal for smoother online checkouts.

  • Payment links: Ideal for telephone/email bookings, deposits, extras, no-show charges, or remote billing.

  • Integrated online checkout: Custom payment flows on your website.

Software systems and integrations for hotels: 

Hotels commonly use a PMS alongside a channel manager (e.g., Cubilis by Stardekk) and a booking engine (e.g., Booking Expert). Effective integration between these systems and your payment processor is crucial. With Mollie, hotels can use our integrated SaaS solution to link payment processing directly into their PMS and other systems. 

This reduces admin, eliminates manual reconciliation, and creates a faster process. For franchises, Mollie can offer solutions that cater to multi-location management and standardised reporting.

What makes a good payment gateway for hotels?

  • Clean integration into your PMS and booking software: PSPs like Mollie offer robust APIs and pre-built integrations with various hospitality software.

  • Support for in-person and online payments: Offering a true omnichannel experience.

  • Built-in fraud protection tools: Helping you accept more genuine orders safely.

  • Support for international cards and currencies: Cater to a global clientele.

  • It should feel like part of your hotel system, not a clunky add-on.

How payments for vacation rentals, B&Bs and holiday parks work

If you run vacation rentals, a bed and breakfast, or even an entire holiday park, you’re likely dealing with guests who book and pay entirely online. They want something fast, secure, and familiar.

Vacation rental payment processing should match that simplicity. Whether you use Airbnb, Booking.com, or your own site, the goal is the same: make payments smooth and make your life easier behind the scenes.

What’s important for these businesses? 

For owners of vacation rentals, B&Bs, guesthouses, campsites, and holiday parks, priorities often include secure online bookings and pre-payments, managing security deposits effectively, minimising cancellations and no-shows, offering mobile-friendly payment options, and automating administrative tasks like invoicing.

Relevant payment methods:

  • Online card payments: Essential for direct website bookings.

  • Digital wallets: Increase conversion with quick and easy mobile payments.

  • Payment links: Useful for special requests, deposits, or add-on services.

  • Automated recurring payments: For instalment plans or seasonal pitch fees at holiday parks.

  • Bank transfers: Still used, but integrated solutions offer better tracking.

Software systems and integrations 

Many of the companies in this category use specialised PMS or booking systems tailored to rentals and leisure, such as Recranet (popular for campsites and holiday parks) or KampAdmin. Mollie integrates with many PMS tools and booking platforms for holiday rentals and similar accommodations. You can automate invoices, customise your checkout experience, and receive payouts fast, often reducing cancellations and no-shows through more reliable payment capture.

What makes a good payment gateway for vacation rentals?

  • Easy integration with your rental platform or PMS: Mollie’s solutions are built for easy integration.

  • A fast, mobile-friendly checkout: Ensure guests can book and pay easily on any device.

  • Secure handling of pre-payments and deposits: Including features like pre-authorisations.

  • Multi-language and multi-currency support: Attract international guests.

  • With the correct setup, payments become one less thing to worry about.

How recurring rental payments work (long-term lets)

For long-term rentals, recurring payments are the priority. You want stability, predictability, and less time spent chasing tenants. The most effective way to accept rental payments online is through a system that enables automated invoicing and recurring payment options. It saves time and removes awkwardness for both sides.

What’s important for recurring rentals? 

For long-term landlords, the priorities are payment stability, predictability, and reducing the administrative burden of collecting rent from tenants. Automated and reliable collection is key.

Relevant payment methods for recurring rentals:

  • Recurring card payments: An increasingly popular and automated method.

  • Direct debits (e.g., SEPA in Europe): A reliable option for automated collection.

  • Digital wallets and tenant-facing checkout pages: For initial payments or flexible options.

  • Bank transfers: Still common, but require manual reconciliation.

Software systems and integrations for landlords

Landlords may use dedicated rental management software or tenant portals that can integrate payment solutions. Mollie enables automated invoicing and recurring payment options (like card payments and direct debits), saving time and removing awkwardness for both sides. Proper rental payments management means less admin and more time to focus on managing and growing your portfolio.

Mollie for hospitality SaaS platforms and integration partners

Beyond directly serving hospitality businesses, Mollie also partners with software companies that build tools for this industry, including PMS developers, booking engine creators, and channel management providers, such as Booking Expert, Stardekk, and Recranet.

Our Connect for Platforms solution enables SaaS providers to integrate Mollie’s payment processing into their software. This means you can offer your customers (such as hotels and rental owners) a fully branded, embedded payment experience.

Benefits of Mollie Connect for SaaS platforms

  • Added value: Offer a crucial feature to your users.

  • New revenue streams: Potentially share in transaction revenue.

  • Enhanced user experience: Keep users within your platform for payments.

  • Simplified onboarding: Easily onboard your users to start accepting payments.

  • Easier everything: Mollie handles the payment complexities (compliance, security, new methods) so you can focus on your product.

Final thoughts

In hospitality, the guest experience is everything. But that experience doesn’t stop at reception or check-out. It includes every moment when a payment just works, from the first online booking to the last Wi-Fi charge.

When payments are integrated into your PMS, those moments feel effortless. That’s what we aim for at Mollie. 

So, whatever kind of business you run, ask yourself: Are your payments enhancing the experience, or holding it back?

For hotels, rentals & landlords: Explore Mollie’s Payment Solutions for your hospitality business

For SaaS platforms & developers: Discover Mollie Connect for Platforms

Stay up to date

Never miss an update. Receive product updates, news and customer stories right into your inbox.

Form fields

Table of contents

Table of contents

MollieGrowthHow do hospitality payments work? A guide to integrated solutions
MollieGrowthHow do hospitality payments work? A guide to integrated solutions
MollieGrowthHow do hospitality payments work? A guide to integrated solutions
MollieGrowthHow do hospitality payments work? A guide to integrated solutions