[cesarb]

> Some payment providers ask up front to simplify the flows as it's not totally trivial to determine what sort of card it is

And because the same card can be both. At least here in Brazil, most bank cards have multiple uses (credit, debit, ATM) in the same card. AFAIK, they're separate applications within the same chip, and the terminal has to select which one to use before starting.

[ErrantX]

Interesting! Did not know that offhand but just looked it up in the technical docs and this is part of the standard. Interesting to hear how other countries have adopted different approaches.