I've just tried adding the game to cart to see if they're actually taking money off people, and they're definitely wanting some card details to process the order.
It's supposed to be a pre-order, what did you expect?
I don't know how it works in the usa but in Europe a lot of stores don't charge you until it's released. Pre-ordering at my local stores just means that they will make sure they have a copy available for you on release day.
I think your meant physical stores. Indeed, a little down payment is usually the most expensive scenario. But I presume the full payment is more widely used for online stores. I tried to buy Shenmue III in Fnac.com and the inferface asked me 70 euros by card (lolz).