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
Because merchants want you to use debit. When you use a credit card, the merchant gets charged a fee for that. When you use a debit card, the merchant still gets charged a fee, but it’s lower.
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