Currency‑hopping backpackers flash Visas, Revolut cards, and tap phones instead of cash. Hostel Mate’s custom payment gateway lets you meet them all—without handing a cut to middlemen. Pick Stripe or Nomod, turn on Apple Pay, Google Pay, Tap‑to‑Pay, and local wallets like MADA or PayNow. Transactions clear in seconds; payouts land the next morning.
Zero Platform Commission—Every Transaction, Every Time
Some PMS vendors slip a 1 % processing markup into the small print—that’s a dorm’s profit margin gone. Hostel Mate charges nothing on top of Stripe or Nomod’s published rates. Whether it’s a €10 dorm deposit or a €300 private room, your margin stays intact.
Real‑world math: 2 000 transactions × €30 average payment × 1 % hidden markup = €600 lost every month. Eliminate the markup, invest in better mattresses.
Processor Freedom—Stripe Today, Nomod Tomorrow
Markets move, fees shift, new wallets pop up. That’s why the gateway sits on a pluggable layer. Switch processors without migrating cards; a token translator keeps recurring payments alive. Need local rails for Brazilian PIX or India UPI? Flip the toggle when available—roadmap already underway.
Advanced users can run dual processors: Nomod at the bar for lower POS fees, Stripe in the booking engine for global card acceptance.
Tap, Swipe, Scan—Frictionless Payments Everywhere
Reception queue at midnight? Turn your iPhone into a terminal—Tap‑to‑Pay grabs the card in a second, prints a digital receipt, and posts the charge straight to the folio. Out at the beach bar? Scan a QR; guests settle with WeChat Pay or Apple Pay in three taps.
Faster lines mean happier guests and higher second‑drink conversion. Card surcharge logic auto‑calculates if you choose to pass fees on.
Security & Compliance—Sleep Easier Than Your Guests
Level 1 PCI‑DSS, SCA‑ready, TLS 1.3 end‑to‑end. Fraud scoring blocks dodgy cards before they post, and 3‑D Secure kicks in automatically for European issuers. Chargeback dispute kits prefill evidence—passport scan, digital signature, CCTV screenshot—in fifteen minutes, not fifty.
Audit logs track who refunded what, when, and why. External auditors love it; so will your accountant.
Lightning Payouts & One‑Click Reconciliation
Cash‑flow matters. Daily settlements drop into any IBAN or US routing number by 9 am local time. Need payroll cash now? Instant payout costs a flat 1 % and lands in minutes.
End of month takes one spreadsheet: payments, fees, refunds, chargebacks—all lined up and export‑ready for Xero, QuickBooks, or Sage.
What Hostels Report After 60 Days
- –1 % processing cost: processor swap shaved fees without code changes.
- +18 % bar revenue: Tap‑to‑Pay lines move faster than cash.
- 0.6 % chargeback rate: evidence kits settle disputes early.
- 90‑second average check‑in payment: phone swipe beats chip‑and‑signature.
- Accounting day cut in half: one export, zero manual matching.
Ready to Manageyour dream Hostel?
Payment Gateway FAQ
- No platform markup. You pay standard Stripe or Nomod card fees—nothing else. Hostel Mate never skims a percentage of your revenue.
- Yes. Stripe today, Nomod tomorrow, local PSP next year—point‑and‑click in settings, no code deploy.
- Supported out of the box. Phone taps clear faster, fraud rates stay lower, and reception lines move quicker.
- Yes. Turn your iPhone into a card terminal—no extra hardware. Great for bar tabs and rooftop merch drops.
- Daily by default. Need instant payouts for payroll? Enable on‑demand transfer in Stripe and cash out in minutes (extra network cost applies).
- Level 1 PCI‑DSS. Card data never touches your servers; tokens flow from browser to processor over TLS 1.3.