Do I need to pay now or at check-out?
su-BI-to — three syllables, stress on the second.
Ask to clarify the payment timing when checking in. Different hotels have different policies.
'Devo' is first person singular of 'dovere' (must/have to). 'Subito' means 'immediately/right away'. 'Al momento del check-out' = at the time of check-out. The 'o' (or) construction allows you to present two alternatives clearly.
Il pagamento è anticipato?
Is payment in advance?
Some hotels require full payment at check-in
Posso pagare al check-out?
Can I pay at check-out?
Express a preference for paying on departure
C'è un acconto obbligatorio?
Is a deposit mandatory?
Ask if a deposit is required even if you prefer to pay later
Italian hotels commonly take a credit card imprint ('pre-autorizzazione') at check-in as a security deposit without charging it. This is standard practice and the hold is released when you check out without any extra charges.