I agree with BMM, as I have said SOOO many times before, get your first night's tariff on booking, the rest is paid ON ARRIVAL, and they must present a valid credit card on checkin.
I think virtual cards are OK as you can access the money before the guests arrive, so if it doesn't go through you can contact the ota and ask the question. Having said that, the OTA is suppposed to have collected the money and THEY (OTA) is actually paying you NOT the guest, so realistically the money should be good.
As far as the chain goes, I thought in the latest newsletter is stated that cost was being added to the guest was aware the fee would be added to their booking and it was up to us the waive or collect the fee. I won't be waiving the fee.