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Why should you use ChargeAutomation with Stripe instead of using Stripe alone?

Discover why pairing ChargeAutomation with Stripe gives hotels or properties automated charge schedules, deposit management, and chargeback protection.

Written by Support

Stripe is a powerful payment processor, but if you're managing hotel or vacation-rental bookings, you may still need to manually track when guests should pay, when security deposits need to be authorized, when refunds should be processed, and when guests need to provide payment details.

By connecting Stripe with ChargeAutomation, you can automate much of this process while giving your guests a smoother, more professional experience.

πŸš€ The Difference at a Glance

Stripe alone

Stripe + ChargeAutomation

πŸ’³ Processes payments

πŸ’³ Processes payments automatically based on your configured schedules

πŸ”— Create payment links manually

πŸ”— Automatically send payment requests to guests

πŸ“… Manually track when guests need to pay

⏰ Automate payment schedules and reminders

πŸ” Manage deposit authorizations manually

πŸ›‘οΈ Automate security deposit authorization and release

πŸ“§ Send guest instructions separately

πŸ“– Combine payments with online check-in and the Guest Portal

πŸ“ Collect guest information separately

πŸͺͺ Collect guest information, documents, and signatures

πŸ’° Limited opportunity to sell extras

🎁 Offer and collect payment for upsells

πŸ“Š Manage payment information separately

🏠 Connect payment activity with booking and guest information

⏱️ 1. Automate Your Payment Collection

Stripe can process a payment when you tell it to.

ChargeAutomation can help determine when that payment should be requested or collected based on your configured payment schedule.

You can automate collection for things such as:

  • πŸ’° Initial deposits

  • πŸ’³ Reservation balances

  • πŸ’΅ Outstanding payments

  • 🚫 Cancellation fees

  • πŸ›οΈ Taxes or other charges

  • 🎁 Paid upsells

Instead of manually checking every reservation and creating payment requests, ChargeAutomation can handle the workflow for you.

This means less manual tracking and fewer missed payment deadlines.

πŸ”— 2. Automatically Send Payment Requests

With Stripe alone, you may need to create and send payment links manually.

With ChargeAutomation, payment requests can be incorporated into your automated guest journey.

For example:

Booking received β†’ Payment request scheduled β†’ Guest receives notification β†’ Guest pays β†’ Payment status updates

This is particularly useful if you manage a large number of bookings and don't want your team manually monitoring every reservation.

πŸ” 3. Automate Security Deposits

Security deposits are one of the biggest advantages of connecting ChargeAutomation with Stripe.

ChargeAutomation can use Stripe to place a pre-authorization hold on the guest's card instead of immediately charging the deposit.

If there is no damage, the authorization can be released.

If there is eligible damage, you can capture all or part of the authorized amount.

πŸ›‘οΈ Why this matters

Without automation, your team may need to:

  1. Find the reservation.

  2. Check when the deposit is due.

  3. Request the card details.

  4. Authorize the deposit.

  5. Monitor the authorization.

  6. Release it after checkout.

  7. Capture funds if damage occurs.

ChargeAutomation can automate much of this process.

⏰ Extended Security Deposit Authorization with Stripe

Stripe users also benefit from ChargeAutomation's extended authorization capability.

Current maximum authorization periods are:

  • πŸ’³ Visa: up to 28 days

  • πŸ’³ Mastercard: up to 30 days

  • πŸ’³ American Express: up to 30 days

  • πŸ’³ Discover: up to 30 days

The exact authorization period can depend on the card type and circumstances.

ChargeAutomation can also automatically re-authorize eligible security deposits when enabled, helping maintain the hold throughout longer stays.

πŸ›‘οΈ 4. Give Guests a Choice: Security Deposit or Damage Waiver

ChargeAutomation can also offer Flexible Guest Protection.

Depending on your configuration and booking eligibility, guests can choose between:

πŸ’³ Refundable Security Deposit

A temporary authorization is placed on the guest's card. The funds aren't captured unless you need to make a valid claim.

🏠 Non-Refundable Damage Waiver

The guest pays a non-refundable fee in exchange for the applicable damage protection offered by your property.

This option can be presented directly during the online check-in experience.

πŸ§‘β€πŸ’» 5. Give Guests One Simple Digital Journey

Stripe is primarily a payment platform.

ChargeAutomation goes beyond payments by combining payment collection with the guest experience.

Your guests can use the Guest Portal to:

  • πŸ“ Complete online check-in

  • πŸͺͺ Submit identification and required information

  • ✍️ Sign rental agreements

  • πŸ’³ Make payments

  • πŸ” Complete security deposit requirements

  • πŸ“– Access your digital Guidebook

  • πŸ“Ά View Wi-Fi information

  • πŸ”‘ Access check-in instructions

  • 🎁 Purchase upsells

  • πŸ’¬ Communicate with your team

Guests can complete these tasks from their phone or computer without downloading an app.

🎁 6. Generate Additional Revenue with Upsells

Why stop at the reservation payment?

ChargeAutomation allows you to offer paid upsells and add-ons during the guest journey.

Examples include:

  • πŸ• Early check-in

  • πŸŒ™ Late check-out

  • 🧹 Additional cleaning

  • πŸš— Parking

  • 🧺 Additional services

  • πŸ–οΈ Experiences or activities

  • 🎁 Other property-specific extras

Guests can purchase eligible upsells online, and payment can be processed through your connected payment gateway.

This allows you to generate additional revenue without requiring your team to manually process every request.

πŸ›‘οΈ 7. Add an Extra Layer of Fraud & Chargeback Protection

ChargeAutomation can also add 3D Secure authentication to eligible transactions.

When a guest successfully completes 3D Secure authentication, eligible fraud-related transactions may receive a liability shift to the card issuer.

You can further strengthen your protection by collecting:

  • πŸͺͺ Guest ID

  • ✍️ Electronic signatures

  • πŸ“‹ Guest information

  • πŸ’³ Payment authentication

These records can help provide supporting documentation when dealing with disputes.

πŸ’‘ Important: Chargeback protection and liability shifts are subject to eligibility and the applicable payment-network and processor rules.

πŸ“Š 8. Keep Your Payments Connected to Your Bookings

When Stripe is used alone, your payment activity primarily lives inside Stripe.

ChargeAutomation connects the payment workflow with your reservation and guest journey.

Depending on your setup, you can see information such as:

  • πŸ‘€ Guest

  • 🏠 Property

  • πŸ“… Stay dates

  • πŸ’³ Payment status

  • πŸ” Security deposit status

  • πŸ“ Pre-check-in status

ChargeAutomation's current Stripe integration also allows relevant reservation information to be surfaced directly within Stripe through the ChargeAutomation Stripe app.

πŸ€– 9. Reduce Manual Work for Your Team

The biggest benefit isn't simply processing payments.

It's automating the work around those payments.

Instead of your team repeatedly asking:

β€œHas this guest paid?”

β€œWhen should we collect the balance?”

β€œDid the guest complete the deposit?”

β€œHas the security deposit been released?”

β€œDid the guest pay for the late check-out?”

ChargeAutomation can automate the appropriate workflows and provide visibility into their status.


πŸ’° Does ChargeAutomation Hold My Money?

No.

Stripe remains your payment processor.

ChargeAutomation automates the payment workflow and communicates with your connected payment gateway, but ChargeAutomation does not hold your payment funds. (help.chargeautomation.com)


πŸ’‘ So, Do I Still Need Stripe?

If you want to use ChargeAutomation for payment collection, security-deposit authorization, paid upsells, or payment requests, you need to connect a supported payment gateway.

Stripe is one of the supported payment gateways.

ChargeAutomation also supports 120+ payment gateway integrations, although availability depends on your country and configuration. (help.chargeautomation.com)


⭐ The Bottom Line

Stripe is the payment engine. ChargeAutomation is the automation layer around it.

Using them together allows you to:

πŸ’³ Collect payments automatically
πŸ” Automate security deposits
πŸ›‘οΈ Improve fraud and dispute protection
πŸ“ Automate online check-in
🎁 Sell and collect payment for upsells
πŸ“– Provide a digital Guest Portal and Guidebook
⏰ Reduce manual payment tracking
😊 Give guests a smoother experience

Instead of using Stripe simply to take payments, use ChargeAutomation + Stripe to automate the entire payment and guest journey. πŸš€

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