How do restaurants charge your card for the tip if they already ran your card and gave it back to you before giving you the receipt you wrote the tip on?

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How do restaurants charge your card for the tip if they already ran your card and gave it back to you before giving you the receipt you wrote the tip on?

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The service taking the payments runs a pre-authorization for the amount of the bill, then there is a process on the backend of the payment system called “reconciliation” where the pre-auth amount is “posted” with the tip added. Usually reconciliation happens overnight, but depending on the number of transactions, it may take a day or two to actually post.

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