Cover + payments

Deductible or excess? Both.

The same thing has two names. niftiOS uses the one your customer knows.

What is the difference between a deductible and an excess?

The short answerNone, apart from the word. Both mean the amount a renter pays toward damage or theft before cover takes over. Americans and Canadians say deductible; Australians, Britons and Europeans say excess. niftiOS shows the right word based on the customer's currency.

sample Pick a customer currency and watch the wording change.

Standard cover

Included

Damage and theft cover with a $2,500 deductible.

Zero deductible

Upgrade

Pay $0 toward covered damage or theft. Shown up front, never pre-selected.

How should cover be worded for US and UK customers?

Use the customer's word and show the amount in their currency. A US traveler reading "excess" in a booking often doesn't realize it is their deductible. Clear wording prevents most counter disputes.

How many cover options should a booking show?

Cover levels are set per country, from one to three tiers (niftirent.com runs two in Australia today), for example basic, inclusive and zero excess. Fewer, clearer choices usually work best.

How are payments and refunds handled?

The card is authorized at booking and charged once the supplier confirms. Cancellations and refunds are handled from the same console as the booking. For now, your team handles a change as a cancel and rebook.

Who is the merchant of record?

The merchant of record is whoever charges the customer's card and appears on their statement. With a broker model, that is usually the broker, who then pays the supplier. Your setup decides it; we go through it in the demo.

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