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We uniquely designed our flexible and innovative payment processing solutions to meet the needs of our clients in today’s ever-evolving lodging industry. We provide the highest level of service, security, savings, and solutions so that you can focus on your top priority: growing your business.

Try Our Effective Rate Calculator

Credit & Debit Cards

Our core business is helping companies accept payments via credit and debit cards securely at the lowest rates. Whether through an integration with your existing software or via a virtual terminal, Ascent is your destination.

ACH & E-Checks

Ascent provides your company the ability to accept payments electronically with ACH/E-check, as well as the ability to pay homeowners and vendors with the same technology.

Payment Gateway

Our gateway solutions and services allow for lodging and rental software developers to easily integrate payment processing directly into their software. We have a robust lineup of software integrations and are adding new integration partners all the time.


Need assistance? We are here to help every step of the way. Contact our client success team today with onboarding, statements, technical questions, or more.

Benefits of Ascent Payment Processing


Our team of experts stays up-to-date on advanced technology and best practices so that we can provide you with the right solution at the best possible price. Ascent clients also receive superior support every step of the way with individualized, personal care with a dedicated team to ensure the payment processing integration is simple and seamless.

  • Individualized, personal care with a dedicated team
  • Secure credit processing with interchange management experts
  • Seamless integration with your current reservation software
  • Training for your team on how to lower your processing fees
  • Monthly monitoring to ensure your cards are qualifying at the lowest rates
  • Next-day funding may be available
  • No application fee, no set-up or termination fees, no long-term contract
  • Free guest documentation review
  • Real-time reporting
  • Net billing
  • AscentZeroCost fully compliant surcharging solution
  • AscentPay powered by Uplift guest financing product


Our top priority is protecting your business and your customer’s data, and it’s a job we don’t take lightly. Our payment processing solutions were designed with security in mind so that your funds are completely secure through the entire funding process.

  • Ascent sets up our clients as the Merchant of Record with one of the largest and strongest banks in the United States, so our clients have more control of policies and business practices that best fit their company’s needs. Having more control translates to faster deposit times of your FDIC-insured funds, control of your cancellation and refund policies, as well as effectively protecting yourself against chargebacks with the correct verbiage.
  • We utilize tokenization to provide another layer of defense by replacing sensitive card data with non-sensitive data that can only be read by specific software. This provides an extra layer of security to your transactions.
  • We provide EMV chip and Point-to-Point Encryption (P2PE) as additional layer of security to make sure the payment process is completely secure.
  • We offer hosted payment pages, which is a secure payment page located externally from your website where your clients can safely and securely enter their payment information.
  • Our in-house experts help you safeguard cardholder data and ensure compliance with PCI certification. We’ve teamed up with industry-leading PCI experts to assist you with monitoring and maintaining PCI compliance, and in the event of a data breach, our partner bank may provide financial coverage if you are certified as PCI compliant through their program.

With Ascent you can rest assured that your sensitive company data and your customers are secure. Contact us today to find out how you can safeguard your business.


We understand the need to save money whenever possible, and our payment processing solutions incorporate a variety of cost-saving options so that you receive the lowest overall cost of service. That’s just another way we strive to provide you with the most transparent and cost-effective support possible.

  • Ascent has specialized in payment processing for the lodging industry more than 20 years.
  • Unlike a local bank, we truly understand how your lodging business works and have solutions to fit your individual business needs.
  • Our simplified Interchange-Plus Pricing is structured to separate the components of processing costs, which allows for transparent reporting and interchange optimization, leading to reduced costs as compared to other forms of pricing.
  • We offer reimbursement for your processing fees on refunds and credits (Net Billing) whenever possible.
  • AscentZeroCost is an optional fully compliant surcharging solution that allows you to pass along most credit card fees to your consumer.


Total dollar amount of sales before returns.

Total number of sales transactions before returns.

Grand total of all fees debited for the month.

Effective Rate Calculator

Payment processors can use different language and pricing strategies to hide additional fees and costs. The combination of all those fees ultimately determine your effective rate. A simple way to estimate the true cost of your card acceptance is to take the Total Amount Billed (from your current merchant statement) ÷ Total Credit Card Sales. Multiply that by 100 to get your approximate effective rate percentage.  

Or use our handy calculator to help you estimate your current cost of accepting credit cards. 

If you’d like to learn how to reduce this cost to almost $0 by including the majority of your credit card fees to your reservation fees, click here for more information.

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