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by mrtksn 266 days ago
Even without internet connection?

Edit: OK maybe there's different level of trust and some take a leap of faith :) In my experience debit didn't work but it appears that its not the same everywhere.

5 comments

I don’t see why not, they can be run just like a credit card through the same network.

When a debit card prompts for a PIN, don’t enter it, press submit, and it runs as credit instead of debit, but functionally works the same as far as the card-holder is concerned. It might take slightly longer to settle, and the merchant likely gets charged higher fees, but it works just fine. When I got my first debit card 20+ years ago my bank specifically told me to select credit and using it, instead of using it with the PIN as a debit card.

These days I’ve noticed the systems tend to auto-prompt for the PIN instead of asking credit or debit. But skipping it functionally works the same as pressing credit used to.

Having a credit card requires some amount of trustworthiness. Anyone can get a debit card, they even sell it in supermarkets.
Normally in supermarkets they sell prepaid cards which are distinct from both credit and debit ones. Visa and Mastercard support all three types.
You're confusing debit with prepaid; they are classified differently and merchants can determine one from the other.
This is not the case of debit cards in Europe. Debit cards are tied to bank accounts. Most people only have a debit card or don’t even know what a credit card is (or what the difference is). We just call them “cards”.
You can buy debit (or more accurately prepaid) cards in supermarkets in Europe too (which is a big and relatively diverse place, so just because that is/was not a thing in the countries you're familiar with doesn't mean it didn't exist).
Prepaid cards are a separate category of cards to debit cards.

Plenty of places allow debit cards that don’t allow prepaid cards.

They’ll give a credit card to just about anyone. It will just have a low credit limit and extra high interest.

Most people who have terrible credit have still have credit cards.

Debit cards are from banks, not supermarkets. A debit card is backed by a checking account, typically.

I have no idea how the terminals operate, but I was on a flight two days ago and paid with a debit card. The flight otherwise required devices to be in airplane mode. Though there are flights that offer wifi, so there's a good chance the terminal can communicate with the ground, but they just don't allow anything else.
Yep, but IIRC only if they are credit, not debit. I guess they also have certain special conditions with the processor...

Edit: I've also seen it when paying on the cafe car while on train trips in Spain. Even without any cellphone/internet coverage they'll let you pay, but only with credit.

It’s definitely not that simple. It’s totally random. I have only European debit cards, and I can pay everywhere. The same was true with my cards from other countries. Sometimes only Apple Pay/other NFC based system worked for some reason, which is connected to the same cards, when on the same airline I could pay with my physical cards in any other instances. Sometimes I can pay only with my physical cards. Sometimes one of my card doesn’t work. However, I didn’t have problems with them in the US in the past few years. It was more complicated over there before COVID.
Yeah. They just accept some loss on bounced payments. Got a free meal (well it was a sandwich, nothing fancy) like that.
Can’t debit account go negative where you live? It’s definitely possible. Even when you don’t have an account credit, or what it’s called. Of course, this is possible only in strange circumstances, but still, I had a debit account with negative statement once. If I remember well, it was because similarly delayed offline transactions. It probably depends on country and/or bank.
Yes, and if your account goes negative, they just fine you and/or send the police to your house to arrest you.