The Premier Inn 'flexible' rate can be reserved in advance and doesn't require prepayment. This rate is of course higher than the prepaid 'saver' rate, by £20-50 depending on dates/availability
Payment is made on check-in and you can pay in cash if desired. They don't put a hold on the card - you just pay for what you've booked plus dinner/breakfast if desired. You can also 'pay as you go' for meals.
They are perfectly comfortable and serviceable for an overnight stay.
www.premierinn.com.
Prepaid and debit cards should be fine so long as they have a Visa or MC logo.