Maybe someone with experience or knowledge of the restaurant industry can help me understand a minor point on how debit cards are handled.
This arises from a situation on New Year’s Eve. My wife and I went out to a restaurant to eat. We’ve been there a time or two in the past, but not for a long time.
The meal was wonderful, and as we usually do when we eat out, we paid using my debit card. As is also usual, I signed for the tip to be added on.
What I’ve noticed happens at most restaurants when I do this is that for the first day or two, the transaction shows up in my register as a pre-authorization and is usually for only the amount of the check. This makes sense as I’m guessing that the restaurant swipes the card before bringing it back to the table where tip can be handled. Typically, when the transaction clears after a day or two and appears as a Posted Transaction, the full amount including tip shows up.