A booking from your direct booking site can appear in Guesty as Pending payment collection or No payments collected, with no card on file. This does not mean your guest skipped the payment step. The card is entered at checkout and reaches the payment processor.
Why this happens. Two things can keep the card from showing on the reservation. The processor may decline the card when Guesty tries to register it to the reservation. This can be a standard decline, or the card may be a type that cannot be used for this kind of purchase. Alternatively, the captured card may fail to register on the Guesty reservation even when the card is valid.
Guesty does not surface payment declines in the booking flow, so your guest still sees a normal confirmation screen and the request arrives looking complete.