Expedio gives vacation rental and short-term rental managers one stable account for bookings, security deposits, and monthly stays, with no sudden freezes and no low transaction caps. Future-dated billing, deposit and damage holds, PMS integration, chargeback defense, and a dedicated account manager in English, Spanish, or Urdu. Powered by Netevia.
Why vacation rental and short-term rental managers across the USA choose Expedio over aggregators and generic high-risk processors.
Approved in 24 Hours
Fast approval decisions with a complete file in place, not weeks of back-and-forth.
10+ Banking Relationships
Multiple acquirers mean more approval paths, so one decision cannot end your business.
No Sudden Freezes
Underwriting that expects future-dated bookings and deposits, so your funds are not held.
PMS Integration
Connect payments to major property management systems so bookings and billing stay in sync.
Future-Dated & Deposit Holds
Charge at booking, hold deposits, and settle balances on the schedule your stays follow.
No Long-Term Contracts
Month-to-month, transparent pricing, and a dedicated manager in EN, ES, or UR.
What Is a Vacation Rental & STR Merchant Account?
It is a high-risk payment account built for short-term rental managers, so it processes bookings, deposits, and monthly stays without flagging your activity or freezing your funds.
Standard processors are built for goods that ship today. When they see a guest booking now for a stay months away, security deposits, cancellations, and disputes over a place a guest never saw in person, their automated systems read it as future-delivery risk and freeze the account. That is why so many STR managers are approved quickly, then shut down in peak season, right when bookings are highest.
A vacation rental merchant account is placed with an acquiring bank that understands the model: money collected well before the stay, deposits and damage holds, and a longer chargeback window. Pricing runs higher than plain retail and a reserve may apply, because the bank is pricing genuine risk, but in return you get stability, deposit and future-dated tools, PMS integration, chargeback defense, and a processor that will not panic at how a real rental business collects. For the wider picture, see our high risk merchant accounts guide.
Rental Businesses We Support
From a single host to multi-property management companies, we place the rental businesses that mainstream processors decline.
STR & Vacation Rentals
Whole-home and unit rentals booked online with deposits and balance payments.
Property Managers
Companies managing dozens of listings and owner payouts across a portfolio.
Hosts & Co-Hosts
Individual and co-host operators collecting direct bookings outside platform fees.
Boutique Hotels & B&Bs
Small lodging operators taking reservations, deposits, and incidentals.
Mid-Term & Corporate Rentals
Monthly and corporate stays billed on a recurring schedule.
Villa & Cabin Rentals
Higher-ticket seasonal rentals with larger deposits and balances.
Why Rental Accounts Get Frozen or Declined
It is rarely about whether your business is legitimate. It is about a model that generic processors were never built to understand.
Future delivery
Guests pay now for stays weeks or months away, which generic underwriting treats as high risk.
Deposits & refunds
Security deposits, damage holds, and cancellations create refund and hold patterns that trip alarms.
Guest disputes
Complaints that a place was not as described drive chargebacks that raise your ratio.
Seasonal swings
Peak-season spikes look like sudden, unexplained growth to systems built for steady retail.
Everything Your Rental Business Needs to Accept Payments
Built on Netevia's infrastructure, Expedio delivers the stability and rental tools that mainstream processors refuse to offer STR managers.
No Sudden Freezes
Underwriting that expects future-dated bookings and deposits, so funds are not held in peak season.
Future-Dated Billing
Collect at booking and settle balances on the schedule your stays follow.
Deposit & Damage Holds
Authorise security and damage deposits cleanly, then release or capture as needed.
Card on File for Balances
Tokenized cards so balances and incidentals rebill without re-entering details.
Recurring for Monthly Stays
Mid-term and corporate stays rebill cleanly on a recurring schedule.
PMS Integration
Connect checkout and billing to major property management and booking platforms.
Chargeback Defense
Ethoca and Verifi pre-dispute alerts plus representment on future-delivery disputes.
Payment Links & Hosted Checkout
Send secure booking links or run a hosted, PCI-friendly checkout on your own site.
Deposits, Disputes & Documentation, Handled
Short-term rentals turn on deposits, future dates, and disputes, and your processor should support that, not fight it. We set you up so every booking and hold is clean.
Future-dated authorisation
Charge at booking and capture on the schedule your stays follow, without re-running cards.
Deposit & hold controls
Authorise and release security and damage deposits without treating them as new sales.
Chargeback defense
Pre-dispute alerts and representment support built for future-delivery disputes.
Clear billing descriptors
A recognisable descriptor so guests know the charge and dispute less.
PMS-connected billing
Keep bookings, balances, and payouts in sync with your property management system.
Same-day funding
Open a Netevia banking account and receive qualifying sales the same day.
What You Need to Apply
A complete, consistent file is the single biggest factor in how fast you are approved. Have these ready before you start.
Government photo IDFor each business owner or principal on the application.
Business registration & any STR permitsFormation documents plus any local short-term rental permits or licenses.
Voided check or bank letterTo verify the settlement account funds will deposit into.
3 to 6 months processing statementsIf you have processed before, showing volume, tickets, and disputes.
Booking platform or PMS detailsWhich platform or property management system you use for reservations.
Compliant website or listingsLive listings or a site with cancellation, deposit, and damage policies.
How Approval Works
From first call to processing, most of the timeline is preparation. Get the file right and the rest moves fast.
1
Quick consult
Tell us your booking volume, average stay value, number of properties, and any history of shutdowns. We tell you honestly if we can place you.
2
Application & documents
ID, business and any permit documents, a voided check, PMS details, and any processing statements.
3
Underwriting & bank match
We match you to an acquiring bank with real appetite for short-term rentals, out of 10+ relationships.
4
Live & processing
Gateway, deposit holds, and PMS connection configured, test payments run, and you are taking bookings, commonly within 24 hours.
Pricing & Terms, Explained Honestly
High-risk pricing is higher than standard retail, and any processor who pretends otherwise is hiding something. Here is the full picture, all quoted in writing.
Element
What to expect
Processing rate
High risk, based on your volume and ticket mix
Per-transaction fee
Disclosed upfront, no surprises
Rolling reserve
May apply on future-dated volume; percentage and release schedule stated in writing
Expedio supports all major card networks plus bank-debit and remote payment tools, with no additional setup fees.
Card Payments
Card on File & Deposits
ACH / eCheck
Visa
Mastercard
Amex
Discover
Apple Pay
Google Pay
ACH / eCheck
Card on File
Recurring Billing
Payment Links
Deposit Holds
Hosted Checkout
Gateways, Integrations & Tools We Support
Booking checkout, deposits, and recurring billing. We provision the right tools for how your rental business actually collects.
PMS Integration
Booking Engine / Checkout
Card on File / Tokenization
Deposit & Damage Holds
Recurring / Monthly Stays
Hosted Payment Pages
Payment Links
Virtual Terminal
ACH / eCheck
API & Developer Tools
Gateway included with qualifying merchant accounts. Integration assigned based on business type and volume.
Expedio vs Competitors: Vacation Rental & STR Merchant Services
Most processors were not built for future-dated bookings and deposits. See why STR managers across the USA switch to Expedio.
Feature
Expedio Payments
PayPal
Stripe
Generic High-Risk
Vacation rental / STR account
Yes, category-aware
Restricted
Restricted
Sometimes
Future-dated bookings
Yes, stable underwriting
Risky
Risky
Varies
PMS integration
Yes, major platforms
No
Limited
Rarely
Deposits & damage holds
Yes, built in
Limited
Limited
Varies
Chargeback defense
Yes, alerts + representment
Weak
Basic
Varies
Same-day funding
Yes, via Netevia
No
No
No
Dedicated account manager
Yes, named contact
No
No
Rarely
Spanish & Urdu support
Native speakers
No
No
No
Powered by Netevia: 40,000+ Merchants Trust the Network
Expedio is an authorised Netevia partner. You get enterprise payments infrastructure with personal, concierge-level service.
Netevia
Authorised Partner
$15B
Annual volume
40K+
Active merchants
160+
Employees
FDIC
Insured $250K
Banking services provided by Sutton Bank, Member FDIC. Deposits FDIC-insured up to $250,000.
Vacation Rental & Payments Terms, Explained
The language underwriters and processors use, in plain English, so you can navigate approval with confidence.
Short-term rental (STR)
A furnished property rented to guests for short stays, booked directly or through a platform.
Future delivery
Collecting payment now for a service delivered later, such as a stay booked months ahead.
Pre-authorization
Placing a temporary hold on a card for a deposit without capturing the funds until needed.
PMS
A property management system that handles listings, bookings, calendars, and payouts.
Card on file / tokenization
Storing a guest's card securely as a token so balances and incidentals rebill without re-entry.
Chargeback
A guest-initiated reversal of a charge, common on future-delivery bookings and disputed stays.
Rolling reserve
A percentage of sales held temporarily to cover future chargebacks, then released on a schedule. It is your money, not a fee.
Chargeback ratio
Disputes divided by transactions in a month. Staying under roughly 0.9% keeps you clear of network monitoring.
We Speak Your Language
Expedio provides dedicated vacation rental and STR account managers in English, Spanish, and Urdu, so you can grow in the language you are most comfortable in.
English
Primary language
All vacation rental and STR merchant services, applications, onboarding, and support available in English, with a USA-based account manager.
South Asian vacation rental and STR business owners can work with Expedio entirely in Urdu. Pakistani and South Asian entrepreneurs are a community we serve.
Get Your Vacation Rental or STR Merchant Account Approved
Most accounts are approved within 24 hours once your file is complete. Complete the form and your dedicated account manager will call you back within one business day, in English, Spanish, or Urdu.
Approval in as little as 24 hours
No frozen funds or transaction caps
Bookings, deposits, and monthly stays on one account
PMS integration and chargeback defense
Dedicated account manager assigned immediately
Apply in Under 2 Minutes
Fill the form at the top of this page. Your account manager calls within one business day.
Rental managers and hosts ask us these every day. Here are honest answers.
Guests pay now for stays that happen weeks or months later, which is future delivery, the highest-risk pattern for card networks. Add security deposits, cancellations, seasonal spikes, and disputes over a place a guest never saw in person, and mainstream processors cap, decline, or freeze rental accounts even when the business is fully legitimate.
Yes. With a high risk vacation rental merchant account you can accept credit and debit cards, ACH, and mobile payments for bookings, balances, security deposits, and monthly stays, without the freezes and caps standard processors impose on future-dated volume.
We place you with underwriting that expects future delivery, set future-dated authorisation and capture, and layer in chargeback defense: pre-dispute alerts plus representment support tuned to booking and stay disputes. That protects your ratio and your funds.
In most cases yes. We provision hosted checkout, payment links, card-on-file, and API tools that connect to major property management systems and booking engines. Tell your account manager which platform you run and we will map the setup.
Yes. We configure pre-authorisation so deposits and damage holds are placed on a card without being billed as new sales, then released or captured as needed. That keeps your deposit handling clean and dispute-resistant.
High risk pricing is higher than standard retail and a rolling reserve may apply on future-dated volume. Expedio quotes transparent interchange-plus pricing in writing, includes deposit and future-dated handling, and rates typically improve as your account builds a clean history.
With a complete application, business and any permit documents, PMS details, and any processing statements in place, approval commonly comes in as little as 24 hours. We work with 10 or more acquiring banks to find one with appetite for short-term rentals.
Often yes. STR managers are frequently frozen or terminated by mainstream processors for future-delivery and deposit patterns alone. Expedio specialises in placing legitimate rental operators that were previously declined with banks that want the business.
This page is general information, not legal or financial advice. Short-term rental payments are subject to card-network rules, local permit requirements, and acquiring-bank underwriting, and terms, rates, reserve requirements, and limits vary by provider, volume, and location. Approval is subject to underwriting. Confirm current terms with Expedio and your acquiring bank.
Get Your Vacation Rental or STR Merchant Account Approved in 24 Hours
No long-term contracts. One account for bookings, deposits, and monthly stays, from a team that understands short-term rentals.
