Talk:Debit card

"Check card"?
Visa has something called a "check card", is this the same thing as a secured credit card? it's tied to a chequing account and any purchase is treated as a withdrawal from that account — Preceding unsigned comment added by 68.58.52.218 (talk) 20:43, 15 August 2003 (UTC)
 * No, with secured credit cards money deposited must remain untouched. It acts as collateral and defines your credit limit. — Preceding unsigned comment added by 196.40.30.124 (talk) 05:26, 4 November 2004 (UTC)
 * The Visa check card is a debit card. They named it a check card to make it sound original and stir up additional interest. — Preceding unsigned comment added by 69.68.55.23 (talk) 18:44, 9 January 2005 (UTC)

How long?
How long has a debit card been around for, when were they first introduced? — Preceding unsigned comment added by 68.19.219.85 (talk) 09:49, 21 June 2005 (UTC)

Stored value cards - anonymous
In this article, it says "stored-value cards are generally anonymous", while in the article on stored-value cards, it says, "Stored value credit cards are usually not anonymous." Which is correct? — Preceding unsigned comment added by Caesura (talk • contribs) 02:47, 29 July 2005 (UTC)
 * It depends on the origin of the card. Generally, cards issued by stores (like gift cards) are anonymous and transferable, while cards like Visa Buxx and the American Express gift cards are issued in the recipient's name and are not transferable. It looks like the stored-value card article has already been edited to reflect this. -lee 07:25, 7 August 2005 (UTC)

In connection with measurement of international remittances by individuals using Stored Value Cards (SVC), which have "collective accounts" with sponsoring banks, is it possible to distinguish debits from such collective accounts from withdrawals using individual accounts with banks and other depository institutions, such as might be made by tourists and business travelers? e.g., using information on the magnetic stripes such as the Primary Account Number (PAN) of the account that is charged in such transactions?--JohnFWilson 19:07, 25 December 2006 (UTC)

How would such cards work in certain countries such as Sweden? If you buy something using a credit/debit card, you usually have two ways to prove that you are allowed to use the card: If the card doesn't have a PIN code, that option doesn't work. If a card is transferrable, the name would have to be updated whenever the card is transferred to someone else in order to work (I suppose). (212.247.11.153 21:45, 11 April 2007 (UTC))
 * Entering a PIN code, or
 * Showing an ID card, passport or similar, where the name written on the card must match the name on the proof of identification.

Online purchases?
I'm British, and places such as amazon.co.uk are quite happy to accept debit cards for online purchases. However, a Canadian friend tells me that amazon.ca will not accept them (or much else, but that's by the by). I'm assuming that this is because of the "online cards only" provision Canada has, but there's nothing in this article specifically dealing with internet purchases so I'm not certain. Loganberry (Talk) 03:37, 16 October 2005 (UTC)
 * I have never had any trouble using my Swedish debit card (of VISA brand) at Amazon.ca. Maybe he meant that they instead block certain card brands?  For example, VISA Electron and Maestro aren't issued by Japanese banks, and so they are not accepted for purchases in any Japanese store, including web shops.  Cash dispensers still have to accept them (if they accept international VISA/MasterCard cards, which most of them don't) because of VISA's and MasterCard's policies. (218.228.195.44 09:33, 27 October 2006 (UTC))

Bank card?
I've lived in Western Canada my entire life, and I've never heard of the phrase "bank card". "Debit card" is the only term I've ever heard or used. — Preceding unsigned comment added by 216.240.204.82 (talk) 01:42, 11 May 2006 (UTC)
 * A Google test, restricted to .ca sites, gives 249,000 hits for "debit card" but only 23,900 for "bank card" . On the strength of that, and your own experience, I'm going to change "more commonly" to "sometimes" in the "Canadian experience" section. Loganberry (Talk) 23:45, 6 June 2006 (UTC)

Country Variations
Just a note to say that I think this article has quite a few country by country variations (as do some of the related topics), and it seems quite difficult to write 'country neutral' details. Probably not worth splitting them out, but the details need to be carefully worded to avoid being incorrect for some places. Ben 20:09, 12 June 2006 (UTC)


 * I live 4000km the other way, in Eastern Canada and "Bank Card" and "Debit Card" are commonly known to be the same thing. You are quite correct however, when you suggest it would be impossible to give "country neutral" details, as each country/banking system has their own rules and regulations which the various national Debit providers, ie:Interac, have to adhere to. In Canada, a Visa or MasterCard "Debit" card is unheard of.  Most people have a Visa and/or Mastercard "Credit" card, and a bank issued "Debit Card" and they are mutually exclusive. Whereas in the US, the Visa/Mastercard can be both. It's like asking for a "regular" coffee in Boston and Toronto.  In Boston, you'll get a black cup of coffee, in Toronto, it has cream and sugar. (now that's got me wondering what I'd get if I asked for a Double-Double in Boston...)  —Preceding unsigned comment added by Mz20g7 (talk • contribs) 17:51, 6 March 2009 (UTC)

Merge
EFTPOS and debit cards seem to be the same thing in most respects. Reading these articles is appears that all EFTPOS transactions require a card, and that the card is virtually always called a debit card! The exceptions are few if any. The biggest exception is the US and their slightly antiqated banking system. However if you read the websites for Maestro and Visa Inc. (both US companies) they refer to them as debit cards.

The article could be sucessfully merged quite easily and simply include a list of country differences for names and interbank systems etc. The overall principle is the same! simonthebold 17:28, 2 October 2006 (UTC)

Those in favour say aye: — Preceding unsigned comment added by Simon123 (talk • contribs) 17:28, 2 October 2006 (UTC)


 * "However if you read the websites for Maestro and Visa (both US companies) they refer to them as debit cards."
 * I'm not sure what you mean. At least in Sweden, Maestro is always a normal debit card, just like VISA, VISA Electron and MasterCard.
 * "EFTPOS" sounds like the kind of thing that is known as "J-Debit" in Japan, where you use a "cash card" from a Japanese bank together with your four-digit PIN code. "Cash card" is the Japanese word for "cash dispenser card".  When using J-Debit, your bank account is charged immediately.  There is a lot of information about this on the Japanese page for debit card. (Stefan2 13:58, 3 October 2006 (UTC))


 * Go Ahead, Merge It
 * EFTPOS is the same as a debit card, but can be seen as a localised brand or name which operates amongst numerous or all retail banks in a particular country (for example in Australia, NZ and other countries mentioned on the EFTPOS page).
 * The same system goes by different names in other countries, for example in Singapore it is called NETS.
 * Having a separate article for EFTPOS is misleading, as is the section of "EFTPOS in particular countries" which gives an impression that such a debit card system is only used in the countries mentioned, when it is actually used in a large number of countries with a medium to high per capita GDP (Even Indonesia with a low per capita GDP of $3,600 (compared with $30,300 in the UK) has various debit card/EFTPOS systems for individual or groups of banks, but no one single national system as in most Western countries and Singapore etc).
 * Hence EFTPOS should be merged into the Debit Card article as a "debit card brands and national systems around the world" or something to that effect. Someone can take on the interesting challenge of identifying a lot of those systems, and thus improve the "country neutrality" of this article at the same time.
 * Troy88 05:14, 18 October 2006 (UTC)

Merge completed as no dissenting voices. simonthebold 23:12, 23 October 2006 (UTC)


 * can I be the dissenting voice?
 * EFT-POS cards are not the same as debit cards, debit cards can be used for online transactions, EFT-POS cards cannot, they can only be used at EFT-POS terminals and ATMS. In New Zealand we have both EFT-POS cards and debit cards and they are recognised as different things for different purposes. (apologies if I have not edited correctly) — Preceding unsigned comment added by 202.27.54.4 (talk) 03:01, 7 May 2009 (UTC)


 * Bring back EFTPOS
 * My understanding is that 'electronic funds transfer at point of sale' is a system used to debit an account using a Debit (or "EFTPOS") Card. EFTPOS also includes POS Terminals and back end processing.
 * EFTPOS is not a piece of plastic you pay with, that would be an EFTPOS card.
 * Expert opinion wanted then someone could bring back the EFTPOS article. k — Preceding unsigned comment added by 203.152.115.183 (talk) 04:14, 20 July 2007 (UTC)
 * Is EFTPOS the same thing as a debit card computer system? (212.247.11.155 17:28, 4 December 2007 (UTC))
 * Yeah, but technically more of a protocol or a standard rather than the equipment. Definitely not a card. k  —Preceding unsigned comment added by 203.152.115.183 (talk) 00:07, 14 January 2008 (UTC)

Payment options
This article states that you may sometimes choose between "debit" and "credit" in some countries. In Japan people will ask if you want to pay as "ikkaibarai" (= "pay at once"; sometimes also called "ikkatsubarai") or "kurejitto" (= "credit"; sometimes also called "shin'yō"). Is this the same thing as the credit/debit question? Japan doesn't have VISA/MasterCard/JCB debit cards (only credit cards), so that's why I'm confused.

When using my Swedish VISA debit card with any of the mentioned payment options, the shop makes a reservation on my bank account statement (making the money unavailable for me on the bank account) for a week, and then charges the money from my VISA card a few weeks later. After the reservation has disappeared, and before the card has been finally charged, the money is again available on my bank account for some time. So far, there hasn't been any difference whatsoever in the way I'm charged for the payment, regardless of which payment option I select.

I have only been asked to use my PIN code twice while in Japan, and it only worked once, although I have been able to use my PIN code a lot of times while in Sweden and Denmark. (Stefan2 13:44, 3 October 2006 (UTC))


 * I wrote: "Japan doesn't have VISA/MasterCard/JCB debit cards (only credit cards),"
 * Today I found out that the Japanese post office just has introduced what they call "Japan's first VISA debit card". So apparently there are VISA debit cards in Japan.  But that doesn't change the question: the thing they ask about in the shops is related to credit cards. (Stefan2 15:15, 7 October 2006 (UTC))

History?
Would someone kindly write up the history and background of a debit card, when they were first invented and when they were first used, etc. — Preceding unsigned comment added by 82.152.138.226 (talk) 20:22, 16 October 2006 (UTC)

Netherlands section
It says:
 * Credit cards use in The Netherlands is very low, and most credit cards cannot be used with EFTPOS, or charge very high fees to the customer. Furthermore, debit cards can be used in the entire EU for EFTPOS, and most debit cards are Cirrus cards.

My Swedish debit card (VISA) usually isn't accepted in the Netherlands, despite it being a debit card. It seems that they do not check whether the card is a debit card or not, but instead look at the card brand, and usually only accept credit and debit cards of the Maestro brand. But someone with more knowledge on this topic needs to confirm this before anything is changed on the article page. (218.228.195.44 09:40, 27 October 2006 (UTC))

France section seems out of place
Shouldn't the long paragraph on France, currently in the introduction, be amongst the list that is organised by country? — Preceding unsigned comment added by 213.162.107.11 (talk) 22:52, 7 January 2007 (UTC)

bopo
i would like to see a section, or even a new article on Bopo -, an Australian prepaid VISA debit card. Jasewase 12:17, 20 March 2007 (UTC)

Online/offline transactions
Can someone explain the online/offline transactions part in a better way?

I have a debit card of VISA brand, and I can make several kinds of transactions with that card:


 * Swiping my card through a card reader in a shop and entering my 4-digit PIN code;
 * Entering my card in a chip reader in a shop and entering my 4-digit PIN code;
 * Swiping my card through a card reader in a shop and, in some countries, showing proof of identification (which might result in the the merchant writing down information written on my ID card or passport), and signing a piece of paper;
 * Swiping my card through a card reader in a shop and then doing nothing else (happens mostly in vending machines, and some shops in Japan; examples are Japanese Sunkus convenient stores and Swedish SJ train ticket vending tickets for local travel around lake Mälaren);
 * Entering my card in a chip reader in a shop and doing nothing else (happens mostly in vending machines and some Japanese shops; examples are Japanese Lawson convenient stores and Swedish public payphones/car parking meters);
 * Asking the merchant to call its bank, read my card details for a bank employee, receive an identification number and then swipe the card through a card reader and enter the identification number, upon which I have to sign a paper (happens extremely rarely, and only in Japan, and only if the usual identification fails);
 * Entering card data on a website (at least my card number and expiration date, often with additional information) and having the money taken from my card.

In all of the above cases, the money is taken from my account not until earliest a few days after the purchase, but sometimes over a month later, and usually "reserved" until taken from my account or until there has been a week since the purchase. In some cases, the money might not be reserved at all, so that I don't notice the purchase until my account has been debited.


 * Typing down my card data on a paper (e.g. mail order) or making a copy of the front of the card (e.g. in a shop, now a very obsolete payment method).

In this case the money is usually taken directly from my account at a later point, often very long after the purchase, and usually not "reserved" at all, but in some cases still "reserved" for a few days before debiting my account.

In some of these cases, it would, according to the text in this article, be classified as an online payment, and in some other cases as an offline payment, although there is usually no difference in processing time and how the payment is processed (first reserved, later debitted). Is this really correct? Maybe some formulations are wrong? (212.247.11.153 21:39, 11 April 2007 (UTC))
 * on-line payment: Authorization request from [POS] or [ATM] come up to the Auth.Center. Amount, currency, country and other are data checking according to limits (a list of limits and rules   depend on bank, processing, software limitation and so on). After passing data checking the amount blocked in Auth.Center. The decision about this amount wil be accept after recive transaction from processing network. Transaction amount subtract from a bank account.
 * off-line payment: Transaction has recieved from processing network and the transaction amount subtract from a bank account.
 * There are a simplified description. It do't include many nuances.
 * "Processing time" include interaction between Auth.Center and Bank-issuer. Interaction between card limits in an Auth.Center software and a bank software may be ranged from direct connect (via local network) to voice connect :)
 * In ideal case, debit card mast be debit only in "on-line" mode (VISA Electron, Maestro,..). If card debitted in off-line mode, the amount of transaction batch may be greater then a card account remainder ("technical overdraft").
 * For card holder there are no direct way to know method of payment (online|offline). Only by indirect indications.. As example, magnetic card PIN may be checked only in on-line mode. — Preceding unsigned comment added by MikeKn (talk • contribs) 11:35, 12 April 2007 (UTC)

Now that you merged it...
Could you explain exactly what "EFTPOS" is supposed to mean? The articel just starts using it without defining it. 68.39.174.238 21:18, 18 April 2007 (UTC)
 * Electronic Funds Transfer at Point Of Sale. The process of paying electronically with "instant" debit of your account. ...I still say it shouldn't be merged k —Preceding unsigned comment added by 203.152.115.183 (talk) 00:17, 14 January 2008 (UTC)

Plastic payment in different countries
Does Wikipedia have an article about this subject? Payment using plastic cards (both debit and credit) vary a lot from country to country. In the US for example, I had to give the store clerk my card (Visa Electron at the time) and sign a receipt, while I in Norway just swipe it through a terminal and enter my PIN. Working as a store clerk here in Norway, I've had american customers trying to give me their cards and having to explain to them how to use the terminal. Is there a reason for this? κаллэмакс 22:06, 6 May 2007 (UTC)

"Embossed"?
The paragraphs on Poland and the Philippines talk about "embossed" versus "unembossed" cards. However, nowhere is explained what "embossing" means. – gpvos (talk) 16:36, 24 May 2007 (UTC)
 * Maybe a link to Embossing is enough? (Stefan2 18:23, 5 June 2007 (UTC))
 * Embossed are more to verified cards.. but with Debit Mastercard.. below the name ..there will be a 4 digit SPAN code before the start date...shows it is a DEBIT card. NON EMBOSSED ARE ALL DEBIT CARDS and require ONLINE AUTH (Electronic cards)..
 * If Visa..it will say DEBIT
 * Dr R Azrin (talk) 19:31, 9 November 2010 (UTC)
 * That's incorrect. Both Visa and Mastercard allow issuance of unembossed credit cards. Recently, I started receiving replacements for credit cards without raised numbers, and there are plenty of sources on the Web explaining it. 50.0.106.145 (talk) 02:17, 3 February 2012 (UTC)

Debit cards in Europe
According to this article, a number of sections state that most shops in some countries accept debit card payments, but block credit card payments. This doesn't seem correct: it seems that the shops will accept certain card types (usually Maestro and/or Visa Electron) but block other card types (Visa and/or MasterCard), regardless of whether the card used is a credit card or a debit card. Maybe all debit cards issued in those European countries are of Maestro and/or Visa Electron brands, but debit cards brought from other countries (including other European countries) may be of other brands. I have added a couple of Fact tags where this is mentioned on the article page, to have it sorted out if the block really is for the card type (credit or debit) or actually for the card brand (Visa, Mastercard, Visa Electron, Maestro etc.). (Stefan2 17:48, 5 June 2007 (UTC))


 * In New Zealand many shops, particularly smaller stores, block credit as a form of payment in favour for EFTPOS. This is because the Credit Card companies charge shops for these transactions (EFTPOS transactions are usually free for merchants here) and I believe there are restrictions on charging credit card handling fees. k — Preceding unsigned comment added by 203.152.115.183 (talk) 04:09, 20 July 2007 (UTC)

"Advantages and disadvantages" section
I have added a couple of Fact tags to the "Advantages and disadvantages" section. Maybe this is something only applying to certain countries, or maybe it's just plain wrong. Details:

"Like credit cards, debit cards are accepted by merchants with less identification and scrutiny than personal checksfact, thereby speeding up transactions and feeling less intrusive to the user. Unlike personal checks, merchants generally do not doubt that a payment via a debit card may be later dishonored."

In some countries, such as Sweden, you always have to show either an ID card or enter a PIN code when making a card purchase (credit or debit). I assume that the same identification level would be applied for cheques, although almost no one is using any cheques these days. It seems that the above quote only applies to certain countries.

"Unlike a credit card, which charges higher fees and interest rates when a cash advance is obtained, a debit card may be used to obtain cash from an ATM or a PIN-based transaction at no extra charge, other than a foreign ATM fee.fact"

This depends on the country. Some banks in some countries charge a fee per withdrawal only when using the card in a different country ("foreign ATM fee"), but not when using the card in a cash dispenser belonging to a different bank in the same country ("domestic ATM fee"). This seems to be the case with all banks in Sweden and the UK. Some banks in some countries charge a fee per withdrawal not only when using the card in a different country ("foreign ATM fee"), but also when using the card in a cash dispenser belonging to a different bank in the same country ("domestic ATM fee"). This seems to be the case with all banks in Denmark and Japan. Furthermore, not all banks apply an interest rate for cash withdrawals using a credit card. Banks in Japan typically apply an interest rate to the withdrawn amount, but banks in Sweden typically apply a fixed fee (often partially consisting of a percentage of the amount withdrawn) instead of an interest rate. An interest rate will only be applied if the card holder decides not to pay for the credit card expenses immediately, but then the interest will be the same as for usual card purchases.

"Debit cards offer lower levels of security protection than credit cardsfact. When used for a PIN-based transaction, theft of the PIN can be accomplished a lot easier than a signature-based credit transaction using skimming devices."

At least in most European countries, credit and debit cards are subject to the same security measures, regardless of card type (credit/debit). PIN codes may be used for both types of cards, and signature may be used for both types of cards. Maybe the text applies to some other countries, though.

"The consumer also has a much shorter time (usually just two days) to report such fraud to the bank in order to be eligible for such a waiver with a debit cardfact, whereas with a credit card, this time may be up to 60 days."

My Swedish bank allows me to report any fraudulent charges to the bank within a month after they have sent out a quarterly statement mentioning the fraudulent debit card purchases. Maybe applies to debit cards in other countries, though?

"For certain types of purchases, such as gasoline, lodging, or car rental, the bank may place a hold on funds much greater than the actual purchase for a fixed period of timefact."

Not true in Europe at least...

"While debit cards bearing the logo of a major credit card are accepted for virtually all transactions where an equivalent credit card is taken, a major exception is at car rental facilitiesfact."

Not true in Europe, where debit cards are accepted. Maybe true in other parts of the world? (Stefan2 18:22, 5 June 2007 (UTC))
 * "For certain types of purchases, such as gasoline, lodging, or car rental, the bank may place a hold on funds much greater than the actual purchase for a fixed period of timefact."
 * Mostly true in New Zealand. This is because you must pay before you take an undefined amount of petrol. In NZ the user never sees that the petrol station gets approval to transfer a large amount ($150) because only the actual amount (say $66) is debited. Not sure on the technical aspects of how it works.k — Preceding unsigned comment added by 203.152.115.183 (talk) 04:20, 20 July 2007 (UTC)

In some shops in some countries, my card (VISA) seems to be blocked for all kinds of transactions, while Visa Electron is accepted for any transaction. So at least in some countries, they base this on card type rather than transaction type. I guess various sections need to be carefully checked to tell whether the block is for card type or transaction type. (Stefan2 18:42, 11 August 2007 (UTC))
 * This problem stems from the fact that the article was originally USA-centric and, most likely, written from the experiences of one or two users rather than researched. It really needs to be rewritten. I wish I had the time. 193.95.165.190 09:46, 8 November 2007 (UTC)

First Para
Sorry if I'm wrong but in the first paragraph Should "writing a check" not be writing a cheaque" — Preceding unsigned comment added by 86.153.86.160 (talk) 16:26, 11 July 2007 (UTC)
 * Cheque is how the rest of the world spells 'check'. However, I assume Wikipedia is written in American English? k — Preceding unsigned comment added by 203.152.115.183 (talk) 03:54, 20 July 2007 (UTC)

Online/offline vs. debit/credit
In this article it is stated that an online transaction is the same as a debit transaction, whilst an offline transaction is the same as a credit transaction. This seems to be wrong: at least with VISA, it seems that both credit and debit transactions can be done both online and offline. RyanAir (Irish aviation company) offers offline debit transactions, while various Japanese shops (such as Lawson) offer online credit transactions. (Stefan2 16:18, 22 August 2007 (UTC))

Was I right there???
Reading the UK Debit card section was confusing... part of it seemed to suggest DEBIT cards are cheaper for merchands than CREDIT cards, but the line read "credit cards are cheaper than debit"!!

Im presuming that was wrong, so I swapped them over... Was I right - or - was the rest of the text wrong, or am I being just plain dumb?

Thought id post here so you dont think its just a vandalism moving it about - its not, I reccomend someone takes a look as it all seemed a bit wrong to me...

MATTHEW —Preceding unsigned comment added by 83.244.182.54 (talk) 14:53, 7 September 2007 (UTC)


 * This depends on the amount you're paying, the card brand, the country in which you are paying, the bank the merchant uses for payment clearing and whether the card used is a domestic or a foreign card. In some cases, using a debit card may be cheaper, while in other cases, using a credit card may be cheaper. (212.247.11.155 (talk) 21:08, 11 December 2007 (UTC))
 * If the transaction charge for debit cards was say 20p, and for credit cards it was 4% then for small amounts (below £5), credit cards would be cheaper to process. The actual amounts depend on the card processor and the contract that the merchant has with them. The above were just examples for illustrative purposes. —Preceding unsigned comment added by 82.24.13.125 (talk) 23:38, 28 September 2008 (UTC)

Messed up
This article has got completely messed up with too many "oh I want to add my country" examples and repetition of content, as well as opinions and uncited sections. It may need to be drastically trimmed or rewritten. 193.95.165.190 14:36, 10 October 2007 (UTC)
 * Perhaps, creating new articles pertaining to each country, particularly larger ones, with a "main article" tag to direct to them, would be a good start. Hellno2 21:08, 10 October 2007 (UTC)

ISO 7810
"Physically the card is an ISO 7810 card like a credit card" -- This strikes me as being something that is incidentally the case, rather than part of the definition of "debit card", and as such doesn't warrant being in the Introduction. (If Country X wanted to decree "In our country, debit cards will be 10 cm by 15 cm", they'd still be perfectly valid as debit cards, even if a weird nonstandard size.) We should move the datum about "ISO 7810" lower in the article. -- 201.37.229.117 (talk) 20:27, 25 January 2008 (UTC)


 * The section about the size is not true for all current debit cards. At least in Sweden, some banks issue special cards for online use only. In these cases, no physical card is issued at all (why issue a physical card when all card purchases will be conducted by typing in the card number & other information on an Internet site?). In particular, there is no ISO 7810 card. (212.247.11.156 (talk) 23:05, 10 March 2008 (UTC))

Debit Card Accounts as Money
Does anyone know whether Debit Card Accounts are considered as Checkable Accounts for purposes of calculating the money supply (M1 or M2) in the U. S.? That would be useful information for this article since Demand Accounts and Other Checkable Accounts make up about half of M1. Mhw089 (talk) 04:22, 14 April 2008 (UTC)

New Zealand
EFTPOS is NOT a Debit Card system. EFTPOS doesn't work online so it doesn't count. The section needs to be removed and re-written. Only one bank in New Zealand offers Debit Cards, and they've only been doing them since the start of 2008. —Preceding unsigned comment added by 203.211.74.229 (talk) 12:25, 26 August 2008 (UTC)


 * Er, a debit card does not necessarily work in any particular mode -- it can be either online-only, offline-only or both online and offline. (212.247.11.156 (talk) 12:40, 31 August 2008 (UTC))


 * you may be correct that a debit card does not necessarily work in any particular mode, but that is not the case for EFT-POS cards, this is why they are different.
 * EFT-POS cards are not the same as debit cards, debit cards can be used for online transactions, EFT-POS cards cannot, they can only be used at EFT-POS terminals and ATMS. In New Zealand we have both EFT-POS cards and debit cards and they are recognised as different things for different purposes. (apologies if I have not edited correctly)

EFTPOS is the term FOR the system, and it's online 24/7. When describing bank issued Debit Cards, (which is the system most commonly used in the world, except for the USA), it means it transfers funds from a users chequing or savings account, directly into the bank account of the recipient, instantly. It stands for "Electronic Funds Transfer at Point of Sale". You say that NZ has only had Debit Cards for about a year, but even so, when you use it, EFTPOS is essentially what you DID (you made a purchase using your Debit card), and what HAPPENED, (the money instantly came out of your bank account and into the merchants bank account to pay for the purchase). If NZ follows the Interac/Interac Online systems, you will eventually be able to pay your bills online, send money via email, make purchases at stores online, all using your bank Debit card, with funds coming right out of your bank account, without having to leave the house. —Preceding unsigned comment added by Mz20g7 (talk • contribs) 18:32, 6 March 2009 (UTC)

Merge
This article seems to be partially duplicated with the article ATM card.

Debit card tells that a debit card is a card for making purchases in a shop, but that it can also be used for doing things with a cash machine.

ATM card tells that an ATM card is a card for doing things with a cash machine, but that it can also be used for making purchases in a shop.

Debit card tells that Canadian Interac cards and European Maestro cards are debit cards, while ATM card tells that they are ATM cards instead.

Maybe different words are used for the same kind of card in different countries. Take the EFTPOS example, for example. (212.247.11.156 (talk) 11:30, 14 September 2008 (UTC))
 * In the UK - an ATM card is a card that allows you to use a cash machine (aka ATM.) An ATM card does not necessarily function as a debit or credit card. Most debit and credit cards do function as an ATM card when this function is enabled by the issuing bank or credit card company.  /*Adrian Broderick 90.199.47.168 (talk) 15:58, 22 March 2009 (UTC)*/

Weasel
What is up with all the "unspecified countries" thing? Let you all find specific examples.

--Heero Kirashami (talk) 18:04, 5 October 2008 (UTC)

Check Card
Where are the sources which demonstrate that debit cards are often called check cards? Outside of the association with Visa there doesn't appear to be any major usage of the term "Check card".--Crossmr (talk) 07:31, 23 December 2008 (UTC)


 * Yes there is some historical evidence, but in general you are right; this term is not used any more - the most prominent example is Germany with EC-Karte - EC means the former Eurocheque-System, now co-branded with Maestro (in fact, the old branding, that is still familiar to cardholders, does not have much in common with the old e.g. IT-structure).
 * History: In many countries, identity cards have been added to checks - the evolution has brought the mag.stripe on the identity cards (accepted at ATMs and POS) and the result were Check-Cards. —Preceding unsigned comment added by Sebaestschn (talk • contribs) 14:24, 22 January 2009 (UTC)

Overhaul
Attempted a major overhaul of the entire article: rearraigned the content, removed some repetitive statements, added some minor content. In all, making it a bit more readable. There's stil a lot of dead wood to be removed though, especially in the Advantages section.

Joostik (talk) —Preceding undated comment added 15:57, 15 March 2009 (UTC).

..short of time right now but yes, grammar needs some clarifying. Alhizar (talk) 16:35, 13 October 2010 (UTC)
 * Also, card reading isn't explained. My impression is that a card can be read via the magnetic strip or by the chip (which is RFID?). Presumably the mag strip is read by swiping the card through the slot in an old style of reader. Reading via the chip is by tapping. The card can also be inserted into a machine. In that case I don't know whether the chip or the strip is used. These are important aspects to explain. Regards, ... PeterEasthope (talk) 19:39, 18 August 2021 (UTC)

ATM card and Debit card
I'm adding this section to both these articles. I live in Canada, and after looking over these articles, I can state with certainty that everyone I've ever met here in Canada refers to ATM cards (which can be used both at ATMs and POS) as debit cards (which from what I understand can only be used at POS), and I personally have never heard the term ATM card before I got refered by this article.

I recently had trouble paying for something when the retailer (in Australia) told me they accepted "debit," and then when I went to pay with my "ATM Card" (what we here call "debit") I was told that they only accepted "debit" cards issued by MasterCard, Visa, and AMEX. Here, all of these companies only issue what we call "credit cards." It was this incident that got me to look into this.

The "Canada" section on Debit card is semi-informative, but perhaps there is reason to add a section to both articles regarding confusion between the two? Mnmazur (talk) 02:26, 28 May 2009 (UTC)

Debit Cards in the UK - Post Office remark
The section on debit cards in the UK claims that the Post Office does not accept credit cards, but I know for a fact that they do for most transactions as I work in a branch and sold someone £1.50 worth of stamps the other day and they used a Mastercard credit card. You can't, however, use a credit card for Road Tax.

Anyone have any further information on the Post Office's acceptance of different payment cards? I know I should know - but the majority of transactions I deal with are done with cash unfortunately. —Preceding unsigned comment added by Jackster (talk • contribs) 21:16, 12 August 2009 (UTC)


 * Post Office accepts CREDIT CARD for all POSTAL SERVICES, PARCELS and STAMPS, but a debit or even Link ATM Card will work for other payments as PIN is required. All UK ATM Cards are LINK Accepted.
 * Dr R Azrin (talk) 19:35, 9 November 2010 (UTC)

Why Is It Called A "Debit" Card?
Can someone please explain? I assume it's because a checking account represents a liability (from the bank's perspective), and a decrease in a liability is a debit. Can someone confirm? I could not find a definition with a simple Google search. RDS 00:04, 21 December 2010 (UTC) — Preceding unsigned comment added by RDSeabrook (talk • contribs)

Debit cards in UK known generally as Switch?
"...debit card (or Switch, even when referring to a Visa card) is the generic term used."

I don't recall ever encountering "Switch" used to mean all debit cards, either as a customer or when I worked in retail while Switch cards were still in circulation. Certainly a customer might have asked if "Switch" were accepted, but that was at a time when it still wasn't so uncommon to find a retailer that accepted some but not all types of cards. I don't think anyone meant debit cards in general. If I were ask me if Switch were accepted, I would take that to mean Switch cards specifically, not debit cards in general. —Preceding unsigned comment added by 77.96.107.244 (talk) 10:16, 24 December 2010 (UTC)

Immediate transaction
"However, unlike credit cards, the funds paid using a debit card are transferred immediately from the bearer's bank account,".

Well, actually not. Almost true but technically not. — Preceding unsigned comment added by 88.114.90.60 (talk) 07:21, 30 December 2011 (UTC)

Prepaid cards
The article mentions prepaid cards as used primarily by "unbanked" people. However, I've been getting these frequently in lieu of rebate checks, the latter of which seem to be disappearing, and prepaid cards seem to be getting more use as "gift cards" too. Listing these as a tool for those who don't have bank accounts misses the large number of cards issued as alternatives to checks. These all offer advantages to issuers, because unlike the "unbanked" variety, they are not rechargable. Thus, consumers often end up with small unredeemed balances.

50.0.106.145 (talk) 02:29, 3 February 2012 (UTC)

I reorganized this section and added subheadings to it. I agree that "unbanked" is not a good description of card users. My experience is that the onevanilla.com site shows up as insecure (red slash through the 'https'). 75.101.109.251 (talk) 21:21, 4 January 2017 (UTC)

Question: In which countries, if any, do banks accept out-of-country merchant accounts that can receive payments by debit card transaction?
This question has become relevant due to the possibility that a country might be left without functioning banks. Residents and visitors can use their debit cards issued by foreign banks to make purchases, but can a merchant who cannot find a local bank open an account in another country to receive his/her customers' payments? If so, it would seem commerce could function almost normally. If not, it would seem no transactions can occur in a bank-less country except by check on a foreign bank (from an employer or a trusted customer only, since it would have to be mailed abroad for deposit), by cash or by barter.

An additional problem is taxation. With no local banking records, enforcement of income and sales taxes would be very difficult. Would this move the local government to block the communications necessary for debit transactions through foreign banks?

Is there any history of such arrangements for a country without banks? ˜˜˜˜ — Preceding unsigned comment added by Nhy67ygv (talk • contribs) 07:15, 17 June 2012 (UTC)

Laurent Granier?
I fixed some awful English in a section about "The prepaid bank card, called "Bank Gift Card", was invented in 2001 by a Frenchman, Laurent Granier" but I suspect this paragraph should be removed entirely unless somebody can provide a reference? --GrantBlk (talk) 21:59, 9 December 2014 (UTC)

Unsubstantiated claim in Prepaid Debit Card section
Under Prepaid Debit Cards it mentions "And there is a risk that prolific use of prepaid debit cards could lead data provider companies to miscategorize you in unfortunate ways," yet no source is listed for this.

67.86.16.26 (talk) 19:08, 30 June 2017 (UTC)

OCL/Over Credit Limit in USA vs. OR/Original Research (hatnote)
Being OCL/Over Credit Limit, in the USA, is not a crime, although the fees that some banks charge for doing this might seem like a "crime"/crying shame, depending on whether you're the issuer, the person who never goes OCL, or the person who "cab't stop themself" and ends up paying fees. As per NYTimes (see edits to article), the issuers are not uniform in their reaction to OCL. Admittedy The Hatnote/OR accusation may need citations to correct. Nuts240 (talk) 01:48, 27 July 2022 (UTC)

Prepaid debit cards do not affect credit scores
The statement
 * There is also a risk that prolific use of prepaid debit cards could lead data provider companies to miscategorize a user in unfortunate ways.
 * tagged:

is incorrect and hence does not belong in the article. A simple google -- (prepaid debit card) (credit score) -- shows "Prepaid cards, unlike secured credit cards, aren't reported to the three major credit reporting agencies"
 * (experion, chase.com) Nuts240 (talk) 05:04, 30 August 2022 (UTC)

"Plastic card" listed at Redirects for discussion
The redirect [//en.wikipedia.org/w/index.php?title=Plastic_card&redirect=no Plastic card] has been listed at redirects for discussion to determine whether its use and function meets the redirect guidelines. Readers of this page are welcome to comment on this redirect at  until a consensus is reached. Plantdrew (talk) 21:37, 12 June 2023 (UTC)

Section on history
Should we add a section detailing the history of the debit card, when it was invented and when it became used widely? 2A00:23C8:7484:AB01:6811:DBF6:9DF4:491D (talk) 19:51, 16 September 2023 (UTC)

Joseph 102.68.79.73 (talk) 18:02, 17 March 2024 (UTC)