In 2026, the timing of your hotel payment depends on the rate type and booking platform you chose. If you book a "Non-Refundable" or "Prepaid" rate, you will pay the full amount at the time of booking. For "Flexible" or "Standard" rates, you typically do not pay until you arrive or depart. At check-in, most hotels will place a "pre-authorization hold" on your credit card for the full amount of the stay plus a deposit for incidentals (often $50–$100 per night). The actual "settlement" of the bill usually occurs at check-out, where you pay for the room and any additional charges like room service or parking. If you booked through a third-party site like Expedia or Booking.com, you may have already paid the site, but the hotel will still require a credit card on file for incidentals. Always check your confirmation email to see if your booking is "Pay Now" or "Pay at Property" to ensure you have the appropriate funds available on your card when you arrive at the front desk.