USA scenario here: say I have a $2000 car repair bill and use my debit card.
Can’t be bothered to put in my pincode so I hit credit, payment goes through without pincode.
Why does the consumer have the option to pick here?
In: Other
I am a software developer that does work on payment processing. The reason why you can hit credit (if your card has a visa or MasterCard logo) is because visa and MasterCard have their own network to handle payments that allows you to process the transaction without having to go trough the debit network. You’re not getting any credit, it’s just a convenience thing
If, for example, you have. US debit card and are in Canada, you must run your debit card as credit card because the US debit network does not exist in Canada.
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