While customers don’t see a lot of differences between using credit and debit cards, as a business owner, there are a few things that make them distinct. First, debit cards are usually processed through a different network than credit cards. That changes the fees you’ll pay and how quickly you’ll receive your funds.When a customer enters their PIN on your terminal using a debit card, the transaction is sent through a debit card network. Their money is withdrawn from their account and forwarded to your merchant account. If they don’t use their PIN, the transaction processes like a credit card and the funds won’t be withdrawn and forwarded to the merchant account until the authorizations are batched.