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Yes, you can ask for credit/debit card details without charging the card at the time of the booking .In HBook > Payment > Payment settings, you will set that "Customers have to leave their credit card details to book an accommodation". Please note that this option is only available with Stripe as payment gateway.
In HBook > Payment > Stripe settings, you will enable "Store payment method". Once enabled, you will see in the column "Payment" of the Reservations list the option to "Charge" the customer, and the option to "Refund" a payment (if a charge has been done).
It is important to understand that :
This functionality is handy for various cases: