What forms of payment do hotels take?

Some major hotel brands will accept a debit card for reservations, and some will accept alternate forms of payment like personal checks or wire transfers. But in general, most major hotel brands require either a credit or debit card in order to make a reservation.



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While most hotels accept credit cards, it is important to note that not all hotels accept cash. Understanding the policies surrounding cash payments can help you plan your trip and avoid surprises at check-in.

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Hotels typically require a credit card when making a reservation because it provides them with the assurance that payment will be made. A debit card does not offer this same level of security, as there may not be enough funds in the account to cover the cost of the stay.

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If you prefer using cash for your hotel expenses, you'll be pleased to know that Marriott does accept cash payments at most of its hotels. However, it's important to note that each hotel within the Marriott brand may have slightly different policies regarding cash payments.

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Paying for a hotel with a debit card Many hotels accept debit cards when you book or check in, but they may request a security deposit. The hotel may place a hold on your debit card, but the money isn't withdrawn from your account until checkout.

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Many hotels allow payments with checking account. At check-in, you must submit your account number and routing number, then the hotel will charge your account for the duration of your stay.

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Some major hotel brands will accept a debit card for reservations, and some will accept alternate forms of payment like personal checks or wire transfers. But in general, most major hotel brands require either a credit or debit card in order to make a reservation.

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So at check-in they'll charge for the full estimated stay plus incidentals hold. At check-out they'll charge any remaining balance, add new charges, and release any excess holds/deposits. The key is that check-in secures the full estimated amount but check-out is when the final specific charges are reconciled.

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Each hotel will have its own specific hold amount, generally $50-$200, on top of your room rate (including taxes and fees). While the hotel won't officially charge you until after you check out, the issuer will put aside the hold amount in the interim to ensure you are able to cover a potential charge.

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At check-in, a bank-issued credit or debit card is required to place an incidentals hold of $100 per stay. This is to cover any incidental and possible damages during the stay.

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Hotels want to guarantee your extras
This could take on many forms, including damage to your room, stolen items, bar bill, smoking charge, mini bar usage, and city taxes. Credit cards are necessary because if suddenly at the end of your stay, you don't have enough cash on hand, there's not much a hotel can do.

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Determine with your lending partner how much you can truly afford as you search for properties and evaluate offers. It can cost around $750,000 to $1,000,000 to start a small motel and the price goes up from there. Luxury properties and larger hotels with more rooms will be exponentially more expensive.

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All reservations are quoted and processed in U.S. dollars, and payments can be made with credit cards or debit cards. We accept Visa, MasterCard, Discover and American Express. We recommend checking with your bank for credit limits and/or daily spending limits prior to paying with your debit or credit card.

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