Virtual Credit Cards (VCCs) are digital payment methods provided by certain booking channels (OTA’s). These cards allow channels to handle guest payments and invoicing directly, streamlining your payment collection process.
Understanding VCCs
What is a Virtual Credit Card?
A VCC is a digital payment method that:
Is generated by booking channels for specific reservations
Contains a pre-loaded balance matching the reservation amount
Has specific activation and deactivation dates
Can typically only be charged once
VCC information
Depending on the booking channel, you may see:
Balance: The amount available to charge
Activation date: The earliest date you can process the payment
Deactivation date: The last date the VCC remains valid
How to process a VCC payment
To process a VCC payment:
Charge the VCC on or after its activation date
Process the full VCC balance in a single transaction
Do not charge the VCC after its deactivation date. VCCs typically expire shortly after the guest checks out
If the VCC balance is lower than the total reservation amount, collect the remaining balance from the guest using another accepted payment method.
⚠️ VCC details may change if a reservation is modified or cancelled. Some channels do not automatically update the VCC balance after partial charges.
Which bank account receives VCC payments?
Contact the booking channel directly to find out which bank account is linked to their VCC payments.
If a VCC is declined
Contact the issuing booking channel directly for support.
Channel VCC policies
Each channel has its own VCC payment policies. Always refer to the channel's specific policy for guidance on charging virtual credit cards.