Accept OTA Virtual Cards Seamlessly

Pivot Virtual Terminal is a secure, browser-based interface designed for travel suppliers to charge and manage virtual credit card travel payments. It serves as a digital version of a physical POS terminal, allowing hotels, airlines, and tour operators to authorize and capture funds from Online Travel Agencies (OTAs) without needing physical hardware or complex API integrations.

OTAs use virtual cards for B2B payment processing because they provide high levels of security and control over each transaction. Each VCC is typically tied to a specific booking ID and is restricted by an exact amount, a specific date window (usually check-in to check-out), and merchant category codes (MCC). This ensures that funds are only used for the intended booking, making it the standard for OTA vendor payout solutions.

Once a supplier receives the VCC details from an OTA extranet or email, they log into the Pivot Virtual Terminal dashboard and input the card information along with the booking reference. The system then processes the transaction through card networks as a card-not-present (MOTO) transaction. Upon approval, the transaction status is updated in real-time, and the payment is queued for local settlement.

MOTO stands for "Mail Order / Telephone Order," a category of card processing for transactions where the cardholder is not physically present to enter a PIN or provide a signature. Since OTA virtual credit card payments are initiated by a business rather than a consumer at a front desk, Pivot uses optimized MOTO processing to ensure high approval rates for these B2B-specific card types.

Yes, the platform is designed for scalable finance operations, allowing teams to process hundreds of stays or check-outs simultaneously via a CSV upload. This VCC payment processing workflow significantly reduces the repetitive manual entry tasks that lead to data errors and delayed payments.