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If you log in to the Booking.com hub, click "opportunities", then "Smartflex programme", this is where you join OR unjoin. You need to really scrolll down to the bottom to find the part about leaving the programme but it is there.
I just wanted to add to this post. I withdrew from Smartflex for one month initially over the CVC issue and another booking arrived at the end of that period before I withdrew completely.
Today the new card details arrived for that guest and lo and behold, the CVC number had been taken from the Booking.com virtual card (as it should be) but the guest CVC was intact. This is the first Smartflex booking with the CVC number still there. Maybe someone WAS listening.
If this is the case then I'll give it another go!
I think I prefer to keep my own merchant account with more freedom, flexibility and better rates. Smartflex, as you say, hasn't added anything to my business so, as Booking.com have not even attempted to answer my questions, the simple solution is to do without it which I'm doing.
I logged into the Booking.com hub, then "opportunities," then "smartflex" and if you scroll down there is a chance to alter it. Initially it only allowed me to delay by up to a month, which I chose. One month to the day, I received a Smartflex booking but this time when I went back in, I found the opportunity to cancel completely. Not sure if this has been added or if you have to do the "delay" first before the chance to cancel. You'll know when you go in. It took a little bit of finding as the whole Smartflex page is about the "opportunity" so obviously cancelling is a taboo word.
At this moment we are running with a 7 day cancellation period so them reducing it to 4 is not a great deal. It might be a better deal for those with longer cancellation periods.
I can process without the CVC but it leaves me on very shaky ground if the guest complains and I cannot understand why they offer the CVC with their virtual card but not with the guest card. Anyway since withdrawing I have had no negligible drop in business.