why is running a card as credit even possible?

Question

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

Answer 1

the main reason is that the transactional costs for the vendor associated with debit is nearly half of what the transactional costs are by using it as credit. The vendor would prefer you to use debit.