Talk:Debit card

message: 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)
replies: text: 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)
replies: text: 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)
thread_title: "Check card"?

message: 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)
thread_title: How long?

message: 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)
replies: text: 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)
thread_title:  Stored value cards - anonymous 

message: 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)
replies: text: 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)
thread_title:  Online purchases? 

message: 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)
replies: text: 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)
thread_title:  Bank card? 

message: 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)
replies: text: 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)
thread_title: Country Variations

message: 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)
thread_title: History?

message: 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)
thread_title:  Netherlands section 

message: 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)
thread_title:  France section seems out of place 

message: 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)
thread_title:  bopo 

message: 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)
replies: text: 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)
thread_title:  Now that you merged it... 

message: 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)
thread_title:  Plastic payment in different countries 

message: 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  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)
replies: text: 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)
thread_title:  Debit cards in Europe 

message: 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)
replies: text: 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)
thread_title: First Para

message: 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)
thread_title:  Online/offline vs. debit/credit 

message: 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)
replies: text: 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)

text: 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)
thread_title: Was I right there???

message: 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)
replies: text: 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)
thread_title:  Messed up 

message: "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)
replies: text: 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)
thread_title:  ISO 7810 

message: 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)
thread_title:  Debit Card Accounts as Money 

message: 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)
replies: text: 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)
thread_title:  Merge 

message: What is up with all the "unspecified countries" thing? Let you all find specific examples.
--Heero Kirashami (talk) 18:04, 5 October 2008 (UTC)
thread_title:  Weasel 

message: 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)
replies: text:  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)
thread_title:  Overhaul 

message: 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)
thread_title:  [[ATM card]] and [[Debit card]] 

message: 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)
thread_title:  Why Is It Called A "Debit" Card? 

message: "...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)
thread_title:  Debit cards in UK known generally as Switch? 

message: "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)
thread_title:  Immediate transaction 

message: 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)
thread_title: Prepaid cards

message: 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)
thread_title:  Question: In which countries, if any, do banks accept out-of-country merchant accounts that can receive payments by debit card transaction? 

message: 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)
thread_title:  Laurent Granier? 

message: 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)
thread_title:  Unsubstantiated claim in Prepaid Debit Card section 

message: 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)
thread_title: OCL/Over Credit Limit in USA vs. OR/Original Research (hatnote)

message: 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)
thread_title: Prepaid debit cards do not affect credit scores

message: The redirect 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)
thread_title:  "[[:Plastic card]]" listed at [[Wikipedia:Redirects for discussion|Redirects for discussion]] 

message: 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)
thread_title:  Section on history