Why do you need to choose (or tell the worker) “credit” or “debit” when paying for something by card? Are the two cards built differently?

Question

Why do you need to choose (or tell the worker) “credit” or “debit” when paying for something by card? Are the two cards built differently?

In: Other

Answer 1

No idea how accurate this actually is, but I worked at convenience store for a year, and my GM basically said to me to think of it in transaction fees, since using debit often comes with something like a 25 cent transaction fee for the consumer, while credit, the store ends up paying a transaction fee.

Have never used “debit” a single time since then