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
Running it as a credit generally costs the merchant more, but is more convenient for the customer and is faster. For a fast food restaurant, you certainly wouldn’t want customers holding up the line to enter a PIN if you could avoid it. Honestly, for a car repair shop, it would make a lot more sense to configure the terminal to require the PIN for debit cards, but they’re probably just not focused on that aspect of their business to care to figure out how to do it.
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