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 back in the day and even to this day debt machines were capturing and keeping your PIN, which is a violation of most agreements. This led to some pretty massive theft which is what caused a shift in perception of debit cards leading to their brief decline.
By running it as credit you get the benefit of a credit networks security and you are not entering your PIN. All in all better security for you.
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