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by Pt_ 2266 days ago
Would it be correct to assume the vending machine only accepts credit as it likely doesn't have a direct connection to a banking system to authorize the payments at time of purchase?

I seem to remember credit being a requirement for making purchases on planes for this same reason.

I'm curious because I live in the UK and pretty much all terminals here accept debit cards, although I think the UK in general has been a bit ahead in terms of payment standards (chip & pin, contactless etc.)

1 comments

The author (who seems to use his cards in Germany) is most likely confused. The problem is not with debit cards vs. credit cards. Every terminal I've seen in Austria and Germany supports both (but see below). The problem is that Austrians, Germans, and perhaps other EU countries think that Mastercard/Visa means credit card, and Maestro/Giro/whatever means debit card. This is exacerbated by the fact that until very recently you couldn't even get a Mastercard/Visa debit card in Austria (1).

These terminals support Mastercard/Visa cards, plus more recently contactless. Mastercard debit cards certainly work.

Btw, if you are an american visiting these countries, and you want to pay with a debit card, when the cashier asks if you pay with a debit or a credit card, answer credit card. They don't care whether it's credit vs. debit, they need to know if it's Mastercard/Visa or the local crap card, to push the correct button on the PoS. If you answer debit, it will NOT work.

1. Austria recently started replacing Maestro cards with Mastercard debit cards... but they seem to be some kind of funny Mastercard cards, not "real" enough for these terminals (except in contactless mode)... But at least you can pay for your plane ticket.

He specifically mentions that he's in the Netherlands in the article.

And based on the writing in the "banking standards" paragraph it appears he understands the difference between debit / credit cards and that banking network they operate on doesn't determine the type of finance they provide