overcharged at restuarants?

This has happened to me a couple times, and I've seen it happening to alot of other people because I work at a bank, but I don't know the reason. Say I go to a resturant and pay the bill of $50 with my debit card and leave a cash tip at the table, when I look at my account online there will be a debit that hasn't posted to my account from the restuarant for an amount more than what I signed for, but when it posts to my account it is for the correct amount. What's up with this? Are resturants taking it upon themselves to take the tip off your card if you don't leave a tip on the table? I don't understand why they can charge me a different amount than what I signed for, it kind of angers me, but in the end I was always charged the correct amount. I figured someone here would know something about this, can anyone explain this to me?


When you pay with a debit card, for some reason the bank puts a hold on some amount that is higher than what you charged. I am sure someone can explain this better than me, but it's the bank, not the restaurant, that is doing this.
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i think they authorize for a specific amount just in case or something. it's complicated. it happened once to me when i bought concert tickets, but the venue was connected with a restaurant, and they did it that way. they explained it to me, but i forgot how it works.

i think it's in case you write in an extra amount for tip on after they run your card through for the actual amount of the bill.

m
coarse, thick 3a
modified cg







yeah, it's the restaurant. They run it for a preauthorization of the bill plus a possible tip but then when it posts only the actual amount (if it's the bill + tip or if you left a cash tip) will post.
We went to the Olive Garden one night. I paid the bill with my debit card but left a cash tip. When she ran my card she included 20% tip. Once the final transaction went through my bank our server ended up with two tips! It has only happened once, normally it is just as marielle448 posted.
When I pay with debit or credit I write $0.00 in the tip field. If they charge a tip anyway I can refuse the charge because I did not authorize it. I always leave a cash tip.
When I pay with debit or credit I write $0.00 in the tip field. If they charge a tip anyway I can refuse the charge because I did not authorize it. I always leave a cash tip.
Originally Posted by internetchick
ooh - that's a good idea! i never thought about that - who's to say someone couldn't just write a tip in? not that i'm cynical or anything, but you never know!

m
coarse, thick 3a
modified cg







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