Credit Card Limit Overage Processing

A guest’s charges can sometimes exceed the credit card payment type limits set by your property. However, if you want to keep an open credit line for a reservation, you can enable the automatic processing of credit card payments that are over the credit card limit as defined by your property. With this feature enabled, payments are automatically processed in folio windows where the balance is equal to or higher than the limit set for the credit card payment method.

If the Credit Limit Overage Payment Failure No Post Flag parameter is On and automatic payment processing fails, the reservation is flagged as No Post and charging privileges are automatically revoked on the reservation. Automatically revoking charging privileges on a reservation reduces the guest’s financial liability.

Within the payment instructions for a reservation, you can opt to include or exclude the reservation from automatic credit limit overages processing. When a reservation is included in the overage process, you can manually initiate the payment process for selected reservations with credit cards over the limit as well as view reservations that failed automatic processing.

Automatic Credit Limit Overages Process Flow

Credit Card Limit Overages Process – Successful

If the Credit Card Limit Overage process successfully charges the credit card, the following occurs:

• The payment is posted and the folio window balance becomes zero.

• The new credit card limit for the folio window becomes the same as the credit limit amount configured for the payment method. For example, if 400 dollars is the hotel credit limit for a Visa payment method, the automatic payment processing does not occur again until this limit is reached.

Credit Card Limit Overages Process – Failed

If the Credit Card Limit Overage process fails to charge the credit card, the following occurs:

• The folio window balance remains the same and no payment is posted.

• If the Credit Limit Overage Payment Failure No Post Flag parameter is On, the No Post check box is automatically selected when a credit limit overage payment fails in a reservation.