That will be good for guests.
Can the pre-pay be aligned with specific MagicBands and separate pins?
I was at CSR last weekend and paid for the balance of my room-only at check-in using a giftcard. The CM didn't offer to open a cash fund so I didn't know that was even an option.
I was able to talk to the front desk and wow that was a long confusing conversation.... The short is "there is a lot of ways to do this'... Let me try to spell out the recommendations and suggestions they went over with me...
1: Put a hard limit on the room charges so you can prepay with a gift card without risk of auto-charging.
2: each magic band can have a different hard limit "charging" to the same card/folio fund.
3: A folio fund can be opened without a credit card using cash or a gift card
4: they would really prefer you just walked around with the gift card or paid it off using a credit card to activate room charges.
5: express checkout is on by default, you can disable it to check out at the front desk to pay that final amount as you leave instead of the night before with something other than a credit card.
6: you can have a folio fund with a credit card backup for overages.
7: If you have a hard limit with no backup fund it will come up as money due at the time of purchase.
8: if you had a hard limit added with a credit card you can quickly raise it over the phone while out and about but cash funded folio funds you need to do at the front desk and you'll need to have the difference when your out spending.
9: you can disable bands from charging anything to the room.
10: you can have different credit cards or folio funds for different people or groups of people (extended trip with many people in the same suite for example)
11: the bill is itemized by what band charged what.
I don't think I missed anything but they stressed there is a lot of ways to achieve exactly what you need or want to do and happen at the front desk.