What to know about virtual credit cards (VCCs)

Updated 3 months ago | 5 min read

VCCs are temporary, digital Mastercards that we use to pay you for bookings that your guests pay for on our platform. They function like regular credit cards and give you guaranteed payouts from us. They also save you time because you don’t need to pre-authorize or validate them.

In this article

How virtual credit cards (VCCs) work

Here’s a few things to keep in mind about how we’ll send you VCCs, how to charge them, and how long they remain valid:

  • For every relevant booking you receive, we’ll send you a new VCC
  • As long as each VCC remains active, you can charge it as many times as you want until the balance reaches zero
  • Each VCC has a unique card number, expiration date, and card verification code (CVC), and we never reuse these details
  • Each VCC also has an activation date. We generally set this to one day after the check-in date, except for eligible properties where we activate the VCC when the reservation becomes non-refundable
  • For properties in the US, we generally activate the VCC on the check-in date, except for eligible properties where we activate the VCC when the reservation becomes non-refundable

Once we activate the VCC, you can view the details on the Extranet as many times as you want for 18 months (547 days) from the check-out date.

You have up to 365 days after the check-out date to charge the VCC. If you don’t charge it by then, the funds will revert back to us. We’ll also email you a weekly summary showing any amounts you have left on VCCs

How to charge a VCC

To charge a VCC, follow these steps:

  1. Log in to the Extranet and click Reservations
  2. Click the guest’s name or reservation number
  3. Click View credit card details
  4. Enter the VCC details using your POS system
  5. Charge any amount up to the available amount displayed on the Extranet

If you use a property management system or channel manager, take a look at this article to find out how to charge a VCC.

What can I do if I’m having trouble charging a VCC?

Here are the most common issues with charging VCCs and what to do to resolve them:

  • If the card isn't active yet, check the activation date again on the Extranet.
  • If the card has insufficient funds, make sure the amount you’re charging isn’t higher than the available balance, then try again.
  • If the CVC code entered is incorrect, double-check you’re using the right number.
  • If the expiration date entered is incorrect, make sure you’re using the correct date.
  • If your POS machine merchant code is invalid, contact your payment service provider for help. You can only charge our VCCs if you’re a merchant registered as an accommodation provider, but you can change your code if necessary.
  • If there’s a security lock, you’ve made too many attempts to charge the same card – try again in 24 hours.

For a more detailed explanation about how to charge VCCs, watch this tutorial video.

How do VCCs work with cancellations, no-shows, and modifications?

If there’s a cancellation, no-show, or modification, and you’re owed money, we’ll email you updated VCC details for you to charge.

If you need to refund a guest for a booking that we’ve paid you for using a VCC, you’ll need to refund the same VCC that we provided you. You can do this even if the VCC is expired – just enter the current month as the expiration date instead. We’ll return the money to your guest.

To find out more about refunding VCCs, take a look at this article.

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