Restaurants overcharging on Debit Cards

I use my ATM/POS/DEBIT/VISA/KITCHENSINK card regularly to pay for meals
at restaurants.

I usually leave a cash tip, so my bill is always equal to the amount of
the tab. However, when I check my balance online I see a hold for an
amount of the bill + a variable amount. When the hold goes through a
few days later the charge is the correct amount.

I am thinking that they are adding in a percentage to cover the tip in
case I walk out and don't sign the receipt and add in tip???

It just doesn't seem to right to hold my money hostage for three to
four days. Plus, to me, it's a bit presumptious to assume that you get
a 20% tip.

bhr

.

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