VacationRentPayment

What VacationRentPayment does

VacationRentPayment is a vertically focused payment processing platform serving the vacation rental industry, operating as a commercial brand of Yapstone, Inc. and headquartered at 1881 Page Mill Road, Palo Alto, California. The platform enables professional property managers to accept online guest payments (credit/debit cards, ACH, E-Checks, Pay by Link), execute flexible payouts including split and multi-party payments, manage chargebacks through an API-supported dispute workflow, and reconcile finances via a real-time merchant portal with automated 1099-K reporting. It processes payments across 14 countries in 4 major currencies with direct bank-transfer payouts in the US, Canada, and EU.

Underlying the product is a full-stack payment gateway that the company owns end-to-end — from security controls and underwriting to fraud and compliance — rather than relying on third-party processors. The platform holds PCI-DSS Level 1 certification and is a registered financial institution under NMLS #1488912, allowing it to operate as Merchant of Record and assume payment liabilities on behalf of merchants. A proprietary fraud detection engine combines biometric tools, multi-step authentication (3DS, SMS, document verification), AVS, and CVV checks, and the company reports an 80% chargeback win rate. Developer-facing infrastructure includes an Onboarding API (KYC, AML sanctions screening, identity verification) and a Chargeback Management API.

The business model is transaction-based, with quote-based custom pricing for property managers and revenue-share arrangements with distribution partners. Go-to-market is primarily through channel partnerships with 15+ property management software platforms — including Barefoot, Hostfully, Streamline, OwnerRez, Track, LiveRez, Escapia, and Casago — supplemented by direct inside sales and a self-serve merchant portal. The company operates with 51-100 employees, is privately held, and discloses no venture funding rounds or investor ownership.

Name

VacationRentPayment

Legal name

Yapstone, Inc.

Website

https://vacationrentpayment.com

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

VacationRentPayment is a vertically focused payment processing platform, powered by Yapstone, that serves vacation rental property managers with online payment acceptance, multi-party payouts, chargeback management, and fraud protection, distributed through 15+ property management software integrations across 14 countries.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Credit Card Issuing (522210)

akta.pro primary industry

Corporate Travel Payments (Virtual Cards, Lodge Cards, Reconciliation) (THALANAE)

akta.pro secondary industries

Card Issuing & Virtual Cards (lodge cards, single-use, tokenization) (THALAHAB), Fraud Prevention, Controls & Compliance (MCC controls, AML/KYC, SCA) (THACAJAG)

Keywords

• Vacation rental payments
• Payment processing services
• Chargeback management solutions
• Merchant payment gateway
• Fraud protection services

Headquarters

HQ city

Walnut Creek

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Payment Processing Fees: Transaction-based fees charged on payments processed through the platform. Accepts credit/debit cards, ACH, E-Checks, and Pay by Link. Competitive rates mentioned but not publicly disclosed.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels3 records

Core offering

VacationRentPayment provides an online payment processing platform tailored for vacation rental property managers. It enables secure acceptance of guest payments via credit/debit cards, ACH, E-Checks, and Pay by Link, supports split and multi-party payouts, manages chargebacks with an 80% win rate, and supplies fraud protection, merchant reporting, and 1099-K tax reporting across 14 countries in 4 currencies.

Product overview

VacationRentPayment is a unified payment processing platform for vacation rentals powered by Yapstone. The platform consists of a core payment engine (Online Payments, Payment Gateway, Payouts) integrated with property management software, supplemented by add-on modules for chargeback management, fraud protection, and merchant reporting. Developer access is provided via the Onboarding API and Chargeback Management API. The platform processes payments across 14 countries in 4 major currencies and serves as the Merchant of Record for property managers.

Differentiator

Problem solved

Functional benefit

Products and services

• Vacation Rent Payment Platform A unified payment processing platform for vacation rentals enabling property managers to accept payments online, send payouts, and report on their business. Processes payments across 14 countries in 4 major currencies.
• Onboarding API Developer API for embedding the merchant onboarding process into booking platforms, with automated KYC, AML sanctions screening, and identity verification plus expert exception handling.
• Chargeback Management API API for managing payment disputes, gathering evidence, and step-by-step guidance to dispute fraudulent transactions, supporting the platform's reported 80% chargeback win rate.
• Pay by Link Standalone payment link product supporting one-time payments, recurring payments, and invoice-based payments for property managers.
• Mobile Payments Digital wallet and mobile payment options for guests to complete vacation rental bookings conveniently.

Quantifiable outcome

• 80% chargeback win rate protecting property manager revenue
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature7 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• BarefootcoreTechnology or IntegrationProperty management software partner enabling integration with Barefoot's platform for seamless payment processing for vacation rentals.
• HostfullycoreTechnology or IntegrationProperty management software partner providing digital guidebook and payment integration solutions.
• StreamlinecoreTechnology or IntegrationProperty management software partner offering vacation rental management with integrated payment processing.
• OwnerRezcoreTechnology or IntegrationProperty management software partner providing booking and payment solutions for vacation rental owners.
• TrackcoreTechnology or IntegrationProperty management software partner offering maintenance and workflow solutions with payment integration.
• VacationRentalDeskcoreTechnology or IntegrationProperty management software partner providing reservation and payment processing solutions.
• LiveRezcoreTechnology or IntegrationProperty management software partner with integrated payment gateway for vacation rental managers.
• EscapiacoreTechnology or IntegrationProperty management software partner offering reservation and accounting with integrated payment processing.
• CasagocoreTechnology or IntegrationProperty management company and software partner offering vacation rental management with payment solutions.
• Direct Booking Services PartnerscoreChannel Partner/ Reseller/ DistributorPartners providing direct booking services enabling property managers to accept payments through their own booking channels with revenue share arrangements.
• Financing PartnersminorStrategic or Co-development PartnerFinancial service partners providing financing solutions for property managers in the vacation rental industry.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Guesty: All-in-one property management platform for short-term rentals with integrated payment processing. Direct competitor to VRP's property manager customer base; Guesty has built payment capabilities in-house, representing both a competing PMS and a disintermediation risk to VRP's channel model.
• Hostaway: Vacation rental management software with integrated payment processing serving professional property managers. Comparable in target customer (mid-market and enterprise VR managers) and in offering unified PMS-plus-payments, directly competing for VRP's merchant base.
• Lodgify: Vacation rental website builder and management software with payment processing for individual owners and SMB managers. Competes with VRP at the SMB/long-tail end of the vacation rental payments market.
• Cloudbeds: Hospitality management platform with integrated payment processing serving hotels, hostels, and vacation rentals. Broader than pure-play VR but directly comparable in offering unified PMS-plus-payments to multi-property operators that overlap with VRP's enterprise segment.
• Streamline: Vacation rental management software with integrated payments — also a VRP channel partner, illustrating the dual-edged nature of the relationship (partner today, potential competitor if they internalize payments).
• Smoobu: Vacation rental management software targeting SMB and mid-market property managers with built-in payment processing. Comparable in target customer and offering, serving a similar European and US customer base.

Broad incumbents

• Yapstone: Parent company and broader payment platform serving multiple travel-adjacent verticals (vacation rentals, home rentals, vacation ownership). VRP is one brand within Yapstone's portfolio; the parent offers overlapping capabilities across other travel verticals.
• Stripe: Dominant general-purpose payment processor with travel vertical investments. Competes for the same property manager wallet with published transparent pricing, lower take-rates at scale, and growing vacation rental-specific product features.
• Block (Square): General-purpose payment processor (Square) and fintech parent (Block) competing across SMB and mid-market merchants including short-term rentals. Threatens VRP's niche pricing power with scale economics and published pricing.
• Adyen: Global enterprise payment processor with strong travel vertical penetration. Competes for the larger enterprise property management accounts that VRP targets, particularly in cross-border payouts across VRP's 14-country footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/VacationPayment

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about VacationRentPayment