For short-term rental (STR) property managers, generic payment processors often create more friction than flow. Generic systems don’t know to identify the bits and bites of the short term rental industry leaving them exposed to chargebacks and expensive mistakes. From flagging legitimate bookings as “high risk” to freezing funds and delaying payouts, one-size-fits-all solutions simply weren’t built for the complex cash-flow dynamics of hospitality.

At Guesty®, we recognized that operators need more than just a way to accept payments. They need a financial engine that understands STR-specific booking behavior, approves more legitimate transactions, and keeps revenue moving without unnecessary interruptions. That’s why we’re proud to introduce Guesty Pay Suite™, an integrated payments ecosystem designed specifically for the STR industry.

By combining embedded processing with AI- and ML-powered fraud prevention, Guesty Pay Suite moves beyond simple transactions to deliver intelligent, industry-specific financial operations. The result is less manual work, greater visibility, and the peace of mind operators need to scale with confidence, without payments becoming a bottleneck.

The cost of “one-size-fits-all” payments

Generic processors often struggle to distinguish between high-value travel bookings and actual fraud. As a result, legitimate reservations are declined, payouts are delayed, or funds are frozen at critical moments, all of which disrupt cash flow and create friction for operators and guests alike.

Disjointed payment systems also create visibility gaps, making it harder to reconcile deposits, refunds, and cancellations across multiple channels. Over time, this lack of clarity increases exposure to chargebacks and revenue leakage, turning payments into a bottlenecked mess rather than a growth enabler.

A financial engine built for hospitality

Guesty Pay Suite is designed to address these challenges with two core technologies working in tandem:

Guesty Pay™

Our native, fully embedded processor is purpose-built for hospitality cash flows. It supports deposits, refunds, and multi-channel booking flows with complete transparency, while approving more legitimate bookings that generic processors often flag incorrectly. Operators gain real-time visibility into every transaction, faster payouts, and a smoother payment experience as they scale.

Guesty Pay Protect™

Powered by AI and machine learning trained on travel-specific data, this proactive protection layer evaluates risk in real time to flag fraud at the source. By applying intelligent risk scoring and 3D Secure authentication, it reduces friendly fraud and unauthorized transactions without adding friction for genuine guests.

Proactive protection, proven results

The impact of switching to a specialized payments solution is clear. In its first 12 months with customers representing more than 30,000 properties, Guesty Pay Suite delivered measurable improvements:

• 62% decrease in chargebacks as a share of reservations
• 65% drop in chargebacks as a share of payment volume
• Sustained chargeback levels below major card-network compliance thresholds

By identifying suspicious transactions early and letting valid transactions flow through uninterrupted, Guesty Pay Protect helps operators protect revenue while maintaining a seamless booking experience.

Smarter, safer scaling

As STR businesses grow, payments shouldn’t become a checkpoint that slows them down. They should act as an accelerator, enabling operators to scale confidently while maintaining control, visibility, and protection.

Guesty Pay Suite provides the foundation for a smarter, safer financial future, giving you the peace of mind to focus on hospitality while we handle the complexity of payments and protection.

Learn how Guesty Pay Suite can secure your revenue. Get more info here. 

Guesty’s talented marketing team is comprised of passionate professionals who share insightful industry knowledge and shape brand narratives. By bringing a diverse blend of expertise to the table, we are the visionary architects behind the Guesty brand and innovative campaigns that help people understand our product.