With Tab, you can charge OTA virtual credit cards without a physical POS device. You use Tab’s web dashboard to enter the virtual card number, expiry date, CVV, exact booking amount, and card currency, then process the payment from your browser. Because Tab is built for tourism businesses, it’s a practical way to charge Booking.com, Expedia, Agoda, and other OTA virtual cards even if you don’t have a traditional card terminal.

Leverage Online Payment Gateways

Popular channel managers like Sirvoy may allow you to charge virtual cards, as long as you have an account with payment platform Stripe and the right merchant category code (MCC).

But what if I can’t get a Stripe account in my country?

Tab works in most countries and most currencies, with a bespoke payment feature built especially for charging virtual credit cards, all from your web browser.

How to charge a virtual credit card without a POS device

Some web-based payment platforms allow merchants to manually enter virtual card details and process secure transactions securely, without a physical POS device. Services such as Tab offer a desktop web app that’s user-friendly and can process your virtual card payments in a matter of seconds. After you apply for an account with Tab, and the account is approved, you can start taking payments. For virtual cards, you can input the details provided by the card provider in your Tab dashboard and immediately charge the card. However, virtual cards can be expensive to charge, so you may want to explore alternatives!

Receive Your OTA Payments via Another Method

While virtual cards streamline OTA transactions, they may pose challenges for tourism businesses that can’t charge them. They’re usually more convenient for the OTA provider than for the business! If you already receive virtual credit cards, you might want to explore the other ways that you can take payment from OTAs like Booking.com and Expedia. You could ask them to send your funds via bank transfer, or request to receive the secure customer card details when they book via the platform. You can then charge the details through your POS or another payment provider.

This opens up more traditional (and cheaper!) payment options - for example, Tab can help you charge secure customer card details provided by Booking.com and Expedia. It’s a great way to secure your bookings in advance, and we can send your weekly payments (we call them payouts) to most bank accounts in most currencies around the world.

Our Tips:

• Check if the virtual card provider can pay you via another method, such as bank transfer.

• Source secure customer card details, already provided by the OTA, then charge through a POS or online payment provider like Tab.

• Sign up for a free Tab account and charge virtual cards without the need for hardware!

Conclusion:

Receiving your money on virtual credit cards with no way to charge them may seem daunting, but with the right online payment tool, it’s easy.

Ready to charge virtual cards without a POS device?

Apply for a Tab Payments account today, and start charging OTA virtual cards from your browser.

By Raghvi Arya. Raghvi works with tourism businesses across Africa, Latin America, and Asia on OTA payments, international guest payments, and direct-booking operations.
Updated May 18, 2026

Disclosure: Virtual card workflows and fee references in this article are accurate as of May 18, 2026. OTA rules, acceptance methods, and processing costs vary by provider and market.

Sources: Stripe’s hotel payment processing guide, PCI Security Standards Council PCI DSS guidance, Mastercard foreign exchange references where relevant.