MCC 7011: Lodging Hotels, Motels, and Resorts – A Guide for Merchants

Types of Businesses Under MCC 7011: Lodging Hotels, Motels, and Resorts

MCC 7011 encompasses a wide range of lodging establishments. Here are some of the primary types of businesses included under this code.

• Hotels and Motorway Hotels: Traditional accommodations offering rooms for overnight stays, often with additional services such as dining, conference facilities, and concierge services.
• Resorts: Properties that provide lodging alongside recreational activities, such as golf, spas, or beach access.
• Bed and Breakfast Inns: Smaller establishments offering overnight accommodations and breakfast, often in a more intimate setting.
• Hostels: Budget-friendly accommodations, typically with shared rooms and communal facilities.
• Casino Hotels: This MCC covers the lodging component of these types of establishments. Betting Payments are handled under MCC 7995.
• Ski Lodges and Resorts: Seasonal accommodations catering to winter sports enthusiasts.
• Recreational Hotels: Hotels that focus on leisure and entertainment for guests.
• Auto Courts, Tourist Cabins, and Tourist Courts: More rustic forms of lodging, often found along highways or in rural areas.

It’s important to note that while MCC 7011 covers most commercial lodging providers, certain specialised accommodations, such as apartment hotels, rooming and boarding houses, and membership-only hotels, fall under different MCCs.

Payment Considerations for MCC 7011: Lodging Hotels, Motels, and Resorts

Payment processing in the lodging industry comes with unique challenges and considerations:

• Complex Payment Flows: Hotels often handle multiple payment types, including pre-authorisations at check-in, payments for additional services (dining, spa, activities), and post-checkout charges for incidentals or forgotten items.
• Flexible Payment Options: Guests increasingly expect flexibility, such as “pay at check-out” or mobile payment options. Supporting a variety of payment methods (Cards, Apple Pay, Google Pay and local payment methods) can enhance the guest experience and reduce friction.
• Unified Payment Experience: Support online and in-store payments to effortlessly process transactions across channels, whether guests are checking in online, dining on-site, or paying for services post-stay, all on a single platform.
• Optimised FX & Fair Fees: With clear, competitive rates and transparent foreign exchange fees, hospitality businesses can offer international payments without the typical high-cost surprises, benefitting both guests and operators.

What to Look for in a Payment Service Provider that Supports MCC 7011: Lodging Hotels, Motels, and Resorts

Choosing the right payment service provider is critical for lodging businesses. Here are key features to consider, especially when evaluating providers like Rapyd.

Global and Local Payment Methods

Look for a provider that supports a wide range of payment methods, including major credit and debit cards, digital wallets (Apple Pay, Google Pay), and alternative payment options. This is especially important for international guests.

Effortless Integration

The payment solution should integrate easily with your property management system (PMS), booking engine, and website to streamline operations and reduce manual errors.

Transparent Pricing

Seek a provider with clear, competitive pricing and no hidden fees. High processing costs can eat into margins, so understanding the fee structure is essential.

Excellent Customer Support

Reliable, responsive support is crucial for resolving payment issues quickly and maintaining guest satisfaction.