A pre-authorization is simply to determine if you have a maximum available credit line, not that they will actually charge you that amount. A good example is when you order a pizza to be delivered to your home. The charge for the pizza may be $20.00 but you can access your bank account online and see a pre-authorization for $26.00. The reason they have pre-authorized the higher amount is because they want to be sure you have enough money to cover the cost of the pizza and in the event you want to provide the delivery person a tip, they are also ensuring your credit line will cover the tip as well.
If they only authorized the $20.00 and you wanted to leave a $4.00 tip on the card, the entire transaction would decline and they wouldn't get paid for the pizza because of the tip amount being included as one authorized amount.
So a pre-authorization is simply a way for the merchant to ensure you have the maximum amount of funds anticipated to be spent available within that credit line. They can convert the pre-authorized amount to any actual amount to be debited from your account later on as long as the actual amount being debited is less than or equal to the amount of the pre-authorization.
If they only authorized the $20.00 and you wanted to leave a $4.00 tip on the card, the entire transaction would decline and they wouldn't get paid for the pizza because of the tip amount being included as one authorized amount.
So a pre-authorization is simply a way for the merchant to ensure you have the maximum amount of funds anticipated to be spent available within that credit line. They can convert the pre-authorized amount to any actual amount to be debited from your account later on as long as the actual amount being debited is less than or equal to the amount of the pre-authorization.