Yes, you are lucky. The “host guarantee” is fraught with procedural and technical nightmares, and for disputes, getting a customer disservice person that knows what they’re doing seems to be hit or miss.
Others may have contracts here, I don’t. I only depend on Air for advertising and booking.
For card transactions that aren’t on Air I use Square, which has both a plug-in card swiper and a bluetooth chip reader, as well as the terminals for iPads which you see in many restaurants.
I first started using it when I was driving a taxi, and with my tour company. You can generate and email an invoice with a link for online payment, and you can invoice for deposits. I once had a portable card terminal with my bank, but Square is simpler and less hassle.
Most phone stores sell the Square dongle for $10, which is refunded for the first transaction.