[lachyg]

(I work on Issuing.)

The technology we've built is agnostic to debit or credit -- it really depends on your use case. That said, force posts (or transactions cleared without an underlying authorization) can happen on any card type.

For what it's worth, we have an API to initiate disputes (which you would be able to on a transaction initiated without a valid authorization) which you could use to recoup funds.

[ikeboy]

So who determines whether it's run as debit or credit? The business creating the card at time of creation? The merchant?

[lachyg]

We do :-) But it's based on quite precise Visa / Mastercard rules.

[ericpauley]

Is this determined as issuance time or purchase time?