Guesty Pay Protect is our comprehensive fraud prevention and payment security solution designed specifically for GuestyPay and Merchant Warrior users. This feature helps safeguard your business from chargebacks and unauthorized transactions by combining AI-driven fraud detection with 3D Secure (3DS) authentication across all your booking channels.
- Reduced financial risk: Identify and block fraudulent credit cards before they impact your business
- Channel-wide protection: Secure both direct bookings and OTA reservations
- Enhanced payment security: Leverage 3DS authentication for transactions in the USA, Canada, and Australia
- Complete visibility: Track all fraud detection and 3DS activities through dedicated reports
Guesty Pay Protect is currently available for:
- Guesty Pro users with GuestyPay and MW in the USA, Canada, or Australia.
- Users accessing via our open API.
How it works
Guesty Pay Protect automatically blocks fraudulent cards for direct bookings and sends alerts for suspicious OTA reservations. When collecting payments, the system handles 3DS authentication behind the scenes, with most transactions requiring no guest action. Everything is tracked in simple reports, giving you full visibility with minimal effort.
The feature activates at your Guesty account level and covers all connected GuestyPay/MW accounts.
For your direct reservations
- During checkout, our system automatically verifies the credit card.
- If a card is flagged as potentially fraudulent, the reservation is blocked entirely.
- 3DS authentication is triggered when it's time to collect payment (based on your automation rules). By default, it is required for transactions above $1,000. To change this threshold, contact the GuestyPay Risk team.
- If guest verification is needed, they'll receive an email to authenticate the transaction.
- Good news: in the USA, about 65% of 3DS transactions are frictionless, requiring no action from your guests.
For your OTA reservations
- While we can't block OTA reservations automatically, we still validate every credit card
- When we detect a potentially fraudulent card, you'll see a fraud icon on the reservation and receive a notification
- The 3DS authentication process works the same way as with direct reservations
Accessing your protection reports
We've added two dedicated reports which you can reach by following the steps below.
Step by step:
- Sign in to your Guesty account.
- In the top navigation bar, click on the mode selector and select Financials.
- Click Guesty Protect Reports.
- Select one of the following:
- Fraud report: View all fraud validation attempts, both approved and declined
- 3DS report: See all 3DS transactions, including authentication status