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Oracle Payments Cloud Service

oracle.com

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Spec score 6.8 #5 of 15 in Hotel Channel Management

What it is

Oracle Payments Cloud Service handles payments for hotels and restaurants through the web. It accepts debit and credit cards, Apple Pay, Samsung Pay, and Google Pay, and supports card-present, online, mobile, and tableside payments. Workflows include deposit and preauthorization rules, bar tabs, contactless payments, dynamic currency conversion, pay-at-table payments, and receipt printing. Tokenization supports card-data processing; Oracle says transactions use end-to-end encryption and the service complies with the Payment Card Industry Data Security Standard. In OPERA Cloud, Pay by Link can be enabled and configured with deposit rules and email templates. A reconciliation workflow compares card revenue posted in OPERA Cloud PMS with amounts processed, settled, and paid out through Oracle Payments. Oracle describes pricing as flat-rate, pay-as-you-go, month-to-month, without long-term contracts, additional service or convenience fees, or monthly minimums, but lists no numeric rate. The service is available in the United States and United Kingdom. Oracle says hospitality experts assist with deployment and customers have a single support team available 24/7/365.

Spec sheet

Purpose
Oracle Payments Cloud Service is an end-to-end payment solution for hotels and restaurants.Read 4 Oct 2026 · oracle.com
Deployment
Oracle says hospitality experts work with customers to deploy the payment service.Read 4 Oct 2026 · oracle.com
Security
Oracle says transactions are routed through end-to-end encryption and the service complies with the Payment Card Industry Data Security Standard.Read 4 Oct 2026 · oracle.com
Support
Oracle says customers receive a single support team available 24/7/365.Read 4 Oct 2026 · oracle.com
Headquarters
Austin, Texas, USARead 4 Oct 2026 · oracle.com
Maker founded
Oracle's company history identifies 1977 as the year Software Development Laboratories was founded.Read 4 Oct 2026 · oracle.com
OPERA Cloud setup
Oracle documentation says Pay by Link can be activated in OPERA Cloud and configured with deposit rules and email delivery templates.Read 4 Oct 2026 · docs.oracle.com
Payment methods
It accepts debit cards, credit cards, Apple Pay, Samsung Pay, and Google Pay.Read 4 Oct 2026 · oracle.com
Payment workflows
Supported workflows include automated deposit and preauthorization rules, bar tabs, contactless payments, dynamic currency conversion, pay-at-table payments, and receipt printing.Read 4 Oct 2026 · oracle.com
Pricing terms
The product page describes flat-rate pay-as-you-go pricing with month-to-month terms and no long-term contracts, additional service or convenience fees, or monthly minimums.Read 4 Oct 2026 · oracle.com
Reconciliation
Oracle provides a workflow for reconciling card revenue posted in OPERA Cloud PMS against amounts processed, settled, and paid out in Oracle Payments.Read 4 Oct 2026 · docs.oracle.com
Supported market
Oracle's product datasheet says the service is currently available in the United States and United Kingdom.Read 4 Oct 2026 · oracle.com
Tokenization
The service supports tokenization of card data for secure payment processing.Read 4 Oct 2026 · oracle.com

Plans and prices

Card-present processing rate Priced on request Fixed-rate processing Read 20 Sep 2026 · oracle.com
Card-not-present processing rate Priced on request Fixed-rate processing Read 20 Sep 2026 · oracle.com
Oracle Payments Cloud Service Priced on request Flat rate, pay-as-you-go; no numeric rate is shown on the product page. No long-term contract · No additional service or convenience fees · No monthly minimums Read 4 Oct 2026 · oracle.com

Every Oracle Payments Cloud Service plan and price →

Strong points and limits

Strong points

  • Accepts cards and three mobile wallets
  • Supports deposits, preauthorization, and bar tabs
  • Includes OPERA Cloud reconciliation workflow
  • Oracle states end-to-end encryption and PCI DSS compliance

Limits

  • No numeric processing rate is listed
  • Available only in the United States and United Kingdom
  • No free plan

Who it suits

It suits hotels and restaurants that need card, wallet, online, or tableside payment workflows. OPERA Cloud users may value its Pay by Link setup and reconciliation workflow.

Verdict

The service covers a broad range of hospitality payment workflows and includes OPERA Cloud setup and reconciliation tools. Its stated market is limited to the United States and United Kingdom, and the product page does not show numeric rates.

Where Specifiction places it

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