Want to avoid last-minute ATM runs. Do most hostels in Micronesia take card payments at check-in
If Micronesia-especially places like Chuuk or Yap-is on your itinerary, go in expecting cash is king. Hostels rarely have card machines. Even ATMs are unreliable or sparse. Before arrival, withdraw enough USD to cover your stay, tours, and tips. Keep your Visa for emergencies or touring; otherwise, cash keeps things simple and stress-free.
When I landed in Kolonia, I tried to pay with card at a guesthouse-nope, cash only. Then I wandered to an ATM at Bank of the FSM, withdrew USD with my Visa, and suddenly everything worked: hostel, meals, even island tours. The story stayed consistent everywhere else: cash was the key to smooth check-ins and no last-minute scrambling.
I stayed at a small eco-lodge in Kosrae, and though they were cash-only, it didn't feel cumbersome. I had a backup Visa card and used it at a Bank of Guam ATM nearby to stock up on cash. After that, paying for my night’s stay, local fishing trips, and food was a breeze-as long as I had cash. Card options are minimal, but with a bit of planning, you’ll be all set.
Based on what I heard, hostels and guesthouses across Micronesia-especially in places like Pohnpei or Kosrae-usually operate on a cash basis. Even though Ace Stores or the Kosrae Nautilus Resort accept Visa or Mastercard, you’ll find most small lodgings don’t have reliable card terminals. ATMs exist, but are few and prone to outages. If you're planning to stay at budget places, it's smart to bring enough cash (US dollars) for a few nights and daily needs, just to avoid payment headaches.