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subsection</span> </button> <ul id="toc-Types_of_debit_card_systems-sublist" class="vector-toc-list"> <li id="toc-Online_debit_system" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Online_debit_system"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.1</span> <span>Online debit system</span> </div> </a> <ul id="toc-Online_debit_system-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Offline_debit_system" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Offline_debit_system"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.2</span> <span>Offline debit system</span> </div> </a> <ul id="toc-Offline_debit_system-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Electronic_purse_card_system" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Electronic_purse_card_system"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.3</span> <span>Electronic purse card system</span> </div> </a> <ul id="toc-Electronic_purse_card_system-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Prepaid_debit_cards" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Prepaid_debit_cards"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.4</span> <span>Prepaid debit cards</span> </div> </a> <ul id="toc-Prepaid_debit_cards-sublist" class="vector-toc-list"> <li id="toc-Nomenclature" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#Nomenclature"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.4.1</span> <span>Nomenclature</span> </div> </a> <ul id="toc-Nomenclature-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Users" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#Users"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.4.2</span> <span>Users</span> </div> </a> <ul id="toc-Users-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Advantages" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#Advantages"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.4.3</span> <span>Advantages</span> </div> </a> <ul id="toc-Advantages-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Risks" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#Risks"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.4.4</span> <span>Risks</span> </div> </a> <ul id="toc-Risks-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Types" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#Types"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.4.5</span> <span>Types</span> </div> </a> <ul id="toc-Types-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Governments" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#Governments"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.4.6</span> <span>Governments</span> </div> </a> <ul id="toc-Governments-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Impact_of_government-mandated_fee-free_bank_accounts" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#Impact_of_government-mandated_fee-free_bank_accounts"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.4.7</span> <span>Impact of government-mandated fee-free bank accounts</span> </div> </a> <ul id="toc-Impact_of_government-mandated_fee-free_bank_accounts-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> </ul> </li> <li id="toc-Consumer_protection" class="vector-toc-list-item vector-toc-level-1"> <a class="vector-toc-link" href="#Consumer_protection"> <div class="vector-toc-text"> <span class="vector-toc-numb">2</span> <span>Consumer protection</span> </div> </a> <ul id="toc-Consumer_protection-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Financial_access" class="vector-toc-list-item vector-toc-level-1"> <a class="vector-toc-link" href="#Financial_access"> <div class="vector-toc-text"> <span class="vector-toc-numb">3</span> <span>Financial access</span> </div> </a> <ul id="toc-Financial_access-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Issues_with_deferred_posting_of_offline_debit" class="vector-toc-list-item vector-toc-level-1"> <a class="vector-toc-link" href="#Issues_with_deferred_posting_of_offline_debit"> <div class="vector-toc-text"> <span class="vector-toc-numb">4</span> <span>Issues with deferred posting of offline debit</span> </div> </a> <ul id="toc-Issues_with_deferred_posting_of_offline_debit-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Internet_purchases" class="vector-toc-list-item vector-toc-level-1"> <a class="vector-toc-link" href="#Internet_purchases"> <div class="vector-toc-text"> <span class="vector-toc-numb">5</span> <span>Internet purchases</span> </div> </a> <ul id="toc-Internet_purchases-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Debit_cards_around_the_world" class="vector-toc-list-item vector-toc-level-1"> <a class="vector-toc-link" href="#Debit_cards_around_the_world"> <div class="vector-toc-text"> <span class="vector-toc-numb">6</span> <span>Debit cards around the world</span> </div> </a> <button aria-controls="toc-Debit_cards_around_the_world-sublist" class="cdx-button cdx-button--weight-quiet cdx-button--icon-only vector-toc-toggle"> <span class="vector-icon mw-ui-icon-wikimedia-expand"></span> <span>Toggle Debit cards around the world subsection</span> </button> <ul id="toc-Debit_cards_around_the_world-sublist" class="vector-toc-list"> <li id="toc-Angola" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Angola"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.1</span> <span>Angola</span> </div> </a> <ul id="toc-Angola-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Armenia" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Armenia"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.2</span> <span>Armenia</span> </div> </a> <ul id="toc-Armenia-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Australia" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Australia"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.3</span> <span>Australia</span> </div> </a> <ul id="toc-Australia-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Bahrain" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Bahrain"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.4</span> <span>Bahrain</span> </div> </a> <ul id="toc-Bahrain-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Bangladesh" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Bangladesh"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.5</span> <span>Bangladesh</span> </div> </a> <ul id="toc-Bangladesh-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Belgium" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Belgium"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.6</span> <span>Belgium</span> </div> </a> <ul id="toc-Belgium-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Brazil" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Brazil"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.7</span> <span>Brazil</span> </div> </a> <ul id="toc-Brazil-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Benin" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Benin"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.8</span> <span>Benin</span> </div> </a> <ul id="toc-Benin-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Bulgaria" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Bulgaria"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.9</span> <span>Bulgaria</span> </div> </a> <ul id="toc-Bulgaria-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Burkina_Faso" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Burkina_Faso"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.10</span> <span>Burkina Faso</span> </div> </a> <ul id="toc-Burkina_Faso-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Canada" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Canada"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.11</span> <span>Canada</span> </div> </a> <ul id="toc-Canada-sublist" class="vector-toc-list"> <li id="toc-Consumer_protection_in_Canada" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#Consumer_protection_in_Canada"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.11.1</span> <span>Consumer protection in Canada</span> </div> </a> <ul id="toc-Consumer_protection_in_Canada-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-Chile" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Chile"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.12</span> <span>Chile</span> </div> </a> <ul id="toc-Chile-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Colombia" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Colombia"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.13</span> <span>Colombia</span> </div> </a> <ul id="toc-Colombia-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Côte_d'Ivoire" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Côte_d'Ivoire"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.14</span> <span>Côte d'Ivoire</span> </div> </a> <ul id="toc-Côte_d'Ivoire-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Denmark" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Denmark"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.15</span> <span>Denmark</span> </div> </a> <ul id="toc-Denmark-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Finland" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Finland"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.16</span> <span>Finland</span> </div> </a> <ul id="toc-Finland-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-France" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#France"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.17</span> <span>France</span> </div> </a> <ul id="toc-France-sublist" class="vector-toc-list"> <li id="toc-Liability_and_e-cards" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#Liability_and_e-cards"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.17.1</span> <span>Liability and e-cards</span> </div> </a> <ul id="toc-Liability_and_e-cards-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-Germany" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Germany"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.18</span> <span>Germany</span> </div> </a> <ul id="toc-Germany-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Guinée_Bissau" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Guinée_Bissau"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.19</span> <span>Guinée Bissau</span> </div> </a> <ul id="toc-Guinée_Bissau-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Greece" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Greece"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.20</span> <span>Greece</span> </div> </a> <ul id="toc-Greece-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Hong_Kong" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Hong_Kong"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.21</span> <span>Hong Kong</span> </div> </a> <ul id="toc-Hong_Kong-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Hungary" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Hungary"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.22</span> <span>Hungary</span> </div> </a> <ul id="toc-Hungary-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-India" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#India"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.23</span> <span>India</span> </div> </a> <ul id="toc-India-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Indonesia" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Indonesia"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.24</span> <span>Indonesia</span> </div> </a> <ul id="toc-Indonesia-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Iraq" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Iraq"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.25</span> <span>Iraq</span> </div> </a> <ul id="toc-Iraq-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Ireland" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Ireland"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.26</span> <span>Ireland</span> </div> </a> <ul id="toc-Ireland-sublist" class="vector-toc-list"> <li id="toc-Current_system_(as_of_December_2022)" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#Current_system_(as_of_December_2022)"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.26.1</span> <span>Current system (as of December 2022)</span> </div> </a> <ul id="toc-Current_system_(as_of_December_2022)-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Previous_system_(defunct_since_28_February_2014)" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#Previous_system_(defunct_since_28_February_2014)"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.26.2</span> <span>Previous system (defunct since 28 February 2014)</span> </div> </a> <ul id="toc-Previous_system_(defunct_since_28_February_2014)-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-Israel" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Israel"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.27</span> <span>Israel</span> </div> </a> <ul id="toc-Israel-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Italy" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Italy"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.28</span> <span>Italy</span> </div> </a> <ul id="toc-Italy-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Japan" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Japan"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.29</span> <span>Japan</span> </div> </a> <ul id="toc-Japan-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Kuwait" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Kuwait"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.30</span> <span>Kuwait</span> </div> </a> <ul id="toc-Kuwait-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Malaysia" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Malaysia"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.31</span> <span>Malaysia</span> </div> </a> <ul id="toc-Malaysia-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Mali" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Mali"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.32</span> <span>Mali</span> </div> </a> <ul id="toc-Mali-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Mexico" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Mexico"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.33</span> <span>Mexico</span> </div> </a> <ul id="toc-Mexico-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Netherlands" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Netherlands"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.34</span> <span>Netherlands</span> </div> </a> <ul id="toc-Netherlands-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-New_Zealand" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#New_Zealand"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.35</span> <span>New Zealand</span> </div> </a> <ul id="toc-New_Zealand-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Nigeria" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Nigeria"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.36</span> <span>Nigeria</span> </div> </a> <ul id="toc-Nigeria-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Philippines" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Philippines"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.37</span> <span>Philippines</span> </div> </a> <ul id="toc-Philippines-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Poland" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Poland"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.38</span> <span>Poland</span> </div> </a> <ul id="toc-Poland-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Portugal" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Portugal"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.39</span> <span>Portugal</span> </div> </a> <ul id="toc-Portugal-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Russia" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Russia"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.40</span> <span>Russia</span> </div> </a> <ul id="toc-Russia-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Saudi_Arabia" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Saudi_Arabia"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.41</span> <span>Saudi Arabia</span> </div> </a> <ul id="toc-Saudi_Arabia-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Senegal" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Senegal"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.42</span> <span>Senegal</span> </div> </a> <ul id="toc-Senegal-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Serbia" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Serbia"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.43</span> <span>Serbia</span> </div> </a> <ul id="toc-Serbia-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Singapore" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Singapore"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.44</span> <span>Singapore</span> </div> </a> <ul id="toc-Singapore-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-South_Korea" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#South_Korea"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.45</span> <span>South Korea</span> </div> </a> <ul id="toc-South_Korea-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Spain" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Spain"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.46</span> <span>Spain</span> </div> </a> <ul id="toc-Spain-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Sweden" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Sweden"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.47</span> <span>Sweden</span> </div> </a> <ul id="toc-Sweden-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Taiwan" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Taiwan"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.48</span> <span>Taiwan</span> </div> </a> <ul id="toc-Taiwan-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Togo" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Togo"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.49</span> <span>Togo</span> </div> </a> <ul id="toc-Togo-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Turkey" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Turkey"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.50</span> <span>Turkey</span> </div> </a> <ul id="toc-Turkey-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-UAE" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#UAE"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.51</span> <span>UAE</span> </div> </a> <ul id="toc-UAE-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-United_Kingdom" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#United_Kingdom"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.52</span> <span>United Kingdom</span> </div> </a> <ul id="toc-United_Kingdom-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-UEMOA" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#UEMOA"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.53</span> <span>UEMOA</span> </div> </a> <ul id="toc-UEMOA-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-United_States" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#United_States"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.54</span> <span>United States</span> </div> </a> <ul id="toc-United_States-sublist" class="vector-toc-list"> <li id="toc-FSA,_HRA,_and_HSA_debit_cards" class="vector-toc-list-item vector-toc-level-3"> <a class="vector-toc-link" href="#FSA,_HRA,_and_HSA_debit_cards"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.54.1</span> <span>FSA, HRA, and HSA debit cards</span> </div> </a> <ul id="toc-FSA,_HRA,_and_HSA_debit_cards-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-Uruguay" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Uruguay"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.55</span> <span>Uruguay</span> </div> </a> <ul id="toc-Uruguay-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Venezuela" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Venezuela"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.56</span> <span>Venezuela</span> </div> </a> <ul id="toc-Venezuela-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Vietnam" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Vietnam"> <div class="vector-toc-text"> <span class="vector-toc-numb">6.57</span> <span>Vietnam</span> </div> </a> <ul id="toc-Vietnam-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-See_also" class="vector-toc-list-item vector-toc-level-1"> <a class="vector-toc-link" href="#See_also"> <div class="vector-toc-text"> <span class="vector-toc-numb">7</span> <span>See also</span> </div> </a> <ul id="toc-See_also-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-References" class="vector-toc-list-item vector-toc-level-1"> <a class="vector-toc-link" href="#References"> <div class="vector-toc-text"> <span class="vector-toc-numb">8</span> <span>References</span> </div> </a> <ul id="toc-References-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="Contents" class="vector-toc-landmark"> <div id="vector-page-titlebar-toc" class="vector-dropdown vector-page-titlebar-toc vector-button-flush-left" > <input type="checkbox" id="vector-page-titlebar-toc-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-titlebar-toc" class="vector-dropdown-checkbox " aria-label="Toggle the table of contents" > <label id="vector-page-titlebar-toc-label" for="vector-page-titlebar-toc-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-listBullet mw-ui-icon-wikimedia-listBullet"></span> <span class="vector-dropdown-label-text">Toggle the table of contents</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-titlebar-toc-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <h1 id="firstHeading" class="firstHeading mw-first-heading"><span class="mw-page-title-main">Debit card</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Go to an article in another language. Available in 65 languages" > <label id="p-lang-btn-label" for="p-lang-btn-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--action-progressive mw-portlet-lang-heading-65" aria-hidden="true" ><span class="vector-icon mw-ui-icon-language-progressive mw-ui-icon-wikimedia-language-progressive"></span> <span class="vector-dropdown-label-text">65 languages</span> </label> <div class="vector-dropdown-content"> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="interlanguage-link interwiki-am mw-list-item"><a href="https://am.wikipedia.org/wiki/%E1%8B%B4%E1%89%A2%E1%89%B5_%E1%8A%AB%E1%88%AD%E1%8B%B5" title="ዴቢት ካርድ – Amharic" lang="am" hreflang="am" data-title="ዴቢት ካርድ" data-language-autonym="አማርኛ" data-language-local-name="Amharic" class="interlanguage-link-target"><span>አማርኛ</span></a></li><li class="interlanguage-link interwiki-ar mw-list-item"><a href="https://ar.wikipedia.org/wiki/%D8%A8%D8%B7%D8%A7%D9%82%D8%A9_%D9%85%D8%AF%D9%8A%D9%86" title="بطاقة مدين – Arabic" lang="ar" hreflang="ar" data-title="بطاقة مدين" data-language-autonym="العربية" data-language-local-name="Arabic" class="interlanguage-link-target"><span>العربية</span></a></li><li class="interlanguage-link interwiki-az mw-list-item"><a href="https://az.wikipedia.org/wiki/Debet_kart%C4%B1" title="Debet kartı – Azerbaijani" lang="az" hreflang="az" data-title="Debet kartı" data-language-autonym="Azərbaycanca" data-language-local-name="Azerbaijani" class="interlanguage-link-target"><span>Azərbaycanca</span></a></li><li class="interlanguage-link interwiki-bn mw-list-item"><a href="https://bn.wikipedia.org/wiki/%E0%A6%A1%E0%A7%87%E0%A6%AC%E0%A6%BF%E0%A6%9F_%E0%A6%95%E0%A6%BE%E0%A6%B0%E0%A7%8D%E0%A6%A1" title="ডেবিট কার্ড – Bangla" lang="bn" hreflang="bn" data-title="ডেবিট কার্ড" data-language-autonym="বাংলা" data-language-local-name="Bangla" class="interlanguage-link-target"><span>বাংলা</span></a></li><li class="interlanguage-link interwiki-bg mw-list-item"><a href="https://bg.wikipedia.org/wiki/%D0%94%D0%B5%D0%B1%D0%B8%D1%82%D0%BD%D0%B0_%D0%BA%D0%B0%D1%80%D1%82%D0%B0" title="Дебитна карта – Bulgarian" lang="bg" hreflang="bg" data-title="Дебитна карта" data-language-autonym="Български" data-language-local-name="Bulgarian" class="interlanguage-link-target"><span>Български</span></a></li><li class="interlanguage-link interwiki-bs mw-list-item"><a href="https://bs.wikipedia.org/wiki/Debitna_kartica" title="Debitna kartica – Bosnian" lang="bs" hreflang="bs" data-title="Debitna kartica" data-language-autonym="Bosanski" data-language-local-name="Bosnian" class="interlanguage-link-target"><span>Bosanski</span></a></li><li class="interlanguage-link interwiki-ca mw-list-item"><a href="https://ca.wikipedia.org/wiki/Targeta_de_d%C3%A8bit" title="Targeta de dèbit – Catalan" lang="ca" hreflang="ca" data-title="Targeta de dèbit" data-language-autonym="Català" data-language-local-name="Catalan" class="interlanguage-link-target"><span>Català</span></a></li><li class="interlanguage-link interwiki-cs mw-list-item"><a href="https://cs.wikipedia.org/wiki/Debetn%C3%AD_karta" title="Debetní karta – Czech" lang="cs" hreflang="cs" data-title="Debetní karta" data-language-autonym="Čeština" data-language-local-name="Czech" class="interlanguage-link-target"><span>Čeština</span></a></li><li class="interlanguage-link interwiki-cy mw-list-item"><a href="https://cy.wikipedia.org/wiki/Cerdyn_credyd" title="Cerdyn credyd – Welsh" lang="cy" hreflang="cy" data-title="Cerdyn credyd" data-language-autonym="Cymraeg" data-language-local-name="Welsh" class="interlanguage-link-target"><span>Cymraeg</span></a></li><li class="interlanguage-link interwiki-da mw-list-item"><a href="https://da.wikipedia.org/wiki/Debetkort" title="Debetkort – Danish" lang="da" hreflang="da" data-title="Debetkort" data-language-autonym="Dansk" data-language-local-name="Danish" class="interlanguage-link-target"><span>Dansk</span></a></li><li class="interlanguage-link interwiki-de mw-list-item"><a href="https://de.wikipedia.org/wiki/Debitkarte" title="Debitkarte – German" lang="de" hreflang="de" data-title="Debitkarte" data-language-autonym="Deutsch" data-language-local-name="German" class="interlanguage-link-target"><span>Deutsch</span></a></li><li class="interlanguage-link interwiki-et mw-list-item"><a href="https://et.wikipedia.org/wiki/Deebetkaart" title="Deebetkaart – Estonian" lang="et" hreflang="et" data-title="Deebetkaart" data-language-autonym="Eesti" data-language-local-name="Estonian" class="interlanguage-link-target"><span>Eesti</span></a></li><li class="interlanguage-link interwiki-el mw-list-item"><a href="https://el.wikipedia.org/wiki/%CE%A7%CF%81%CE%B5%CF%89%CF%83%CF%84%CE%B9%CE%BA%CE%AE_%CE%BA%CE%AC%CF%81%CF%84%CE%B1" title="Χρεωστική κάρτα – Greek" lang="el" hreflang="el" data-title="Χρεωστική κάρτα" data-language-autonym="Ελληνικά" data-language-local-name="Greek" class="interlanguage-link-target"><span>Ελληνικά</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Tarjeta_de_d%C3%A9bito" title="Tarjeta de débito – Spanish" lang="es" hreflang="es" data-title="Tarjeta de débito" data-language-autonym="Español" data-language-local-name="Spanish" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-eo mw-list-item"><a href="https://eo.wikipedia.org/wiki/Debetkarto" title="Debetkarto – Esperanto" lang="eo" hreflang="eo" data-title="Debetkarto" data-language-autonym="Esperanto" data-language-local-name="Esperanto" class="interlanguage-link-target"><span>Esperanto</span></a></li><li class="interlanguage-link interwiki-eu mw-list-item"><a href="https://eu.wikipedia.org/wiki/Zordunketa-txartel" title="Zordunketa-txartel – Basque" lang="eu" hreflang="eu" data-title="Zordunketa-txartel" data-language-autonym="Euskara" data-language-local-name="Basque" class="interlanguage-link-target"><span>Euskara</span></a></li><li class="interlanguage-link interwiki-fa mw-list-item"><a href="https://fa.wikipedia.org/wiki/%DA%A9%D8%A7%D8%B1%D8%AA_%D9%86%D9%82%D8%AF%DB%8C" title="کارت نقدی – Persian" lang="fa" hreflang="fa" data-title="کارت نقدی" data-language-autonym="فارسی" data-language-local-name="Persian" class="interlanguage-link-target"><span>فارسی</span></a></li><li class="interlanguage-link interwiki-fr badge-Q70894304 mw-list-item" title=""><a href="https://fr.wikipedia.org/wiki/Carte_de_d%C3%A9bit" title="Carte de débit – French" lang="fr" hreflang="fr" data-title="Carte de débit" data-language-autonym="Français" data-language-local-name="French" class="interlanguage-link-target"><span>Français</span></a></li><li class="interlanguage-link interwiki-ko mw-list-item"><a href="https://ko.wikipedia.org/wiki/%EC%A7%81%EB%B6%88_%EC%B9%B4%EB%93%9C" title="직불 카드 – Korean" lang="ko" hreflang="ko" data-title="직불 카드" data-language-autonym="한국어" data-language-local-name="Korean" class="interlanguage-link-target"><span>한국어</span></a></li><li class="interlanguage-link interwiki-hy mw-list-item"><a href="https://hy.wikipedia.org/wiki/%D4%B4%D5%A5%D5%A2%D5%A5%D5%BF%D5%A1%D5%B5%D5%AB%D5%B6_%D6%84%D5%A1%D6%80%D5%BF" title="Դեբետային քարտ – Armenian" lang="hy" hreflang="hy" data-title="Դեբետային քարտ" data-language-autonym="Հայերեն" data-language-local-name="Armenian" class="interlanguage-link-target"><span>Հայերեն</span></a></li><li class="interlanguage-link interwiki-hi mw-list-item"><a href="https://hi.wikipedia.org/wiki/%E0%A4%A1%E0%A5%87%E0%A4%AC%E0%A4%BF%E0%A4%9F_%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%8D%E0%A4%A1" title="डेबिट कार्ड – Hindi" lang="hi" hreflang="hi" data-title="डेबिट कार्ड" data-language-autonym="हिन्दी" data-language-local-name="Hindi" class="interlanguage-link-target"><span>हिन्दी</span></a></li><li class="interlanguage-link interwiki-hr mw-list-item"><a href="https://hr.wikipedia.org/wiki/Debitna_kartica" title="Debitna kartica – Croatian" lang="hr" hreflang="hr" data-title="Debitna kartica" data-language-autonym="Hrvatski" data-language-local-name="Croatian" class="interlanguage-link-target"><span>Hrvatski</span></a></li><li class="interlanguage-link interwiki-id mw-list-item"><a href="https://id.wikipedia.org/wiki/Kartu_debit" title="Kartu debit – Indonesian" lang="id" hreflang="id" data-title="Kartu debit" data-language-autonym="Bahasa Indonesia" data-language-local-name="Indonesian" class="interlanguage-link-target"><span>Bahasa Indonesia</span></a></li><li class="interlanguage-link interwiki-is mw-list-item"><a href="https://is.wikipedia.org/wiki/Debetkort" title="Debetkort – Icelandic" lang="is" hreflang="is" data-title="Debetkort" data-language-autonym="Íslenska" data-language-local-name="Icelandic" class="interlanguage-link-target"><span>Íslenska</span></a></li><li class="interlanguage-link interwiki-it mw-list-item"><a href="https://it.wikipedia.org/wiki/Carta_di_debito" title="Carta di debito – Italian" lang="it" hreflang="it" data-title="Carta di debito" data-language-autonym="Italiano" data-language-local-name="Italian" class="interlanguage-link-target"><span>Italiano</span></a></li><li class="interlanguage-link interwiki-he mw-list-item"><a href="https://he.wikipedia.org/wiki/%D7%9B%D7%A8%D7%98%D7%99%D7%A1_%D7%97%D7%99%D7%95%D7%91_%D7%9E%D7%99%D7%99%D7%93%D7%99" title="כרטיס חיוב מיידי – Hebrew" lang="he" hreflang="he" data-title="כרטיס חיוב מיידי" data-language-autonym="עברית" data-language-local-name="Hebrew" class="interlanguage-link-target"><span>עברית</span></a></li><li class="interlanguage-link interwiki-kn mw-list-item"><a href="https://kn.wikipedia.org/wiki/%E0%B2%A1%E0%B3%86%E0%B2%AC%E0%B2%BF%E0%B2%9F%E0%B3%8D_%E0%B2%95%E0%B2%BE%E0%B2%B0%E0%B3%8D%E0%B2%A1%E0%B3%8D" title="ಡೆಬಿಟ್ ಕಾರ್ಡ್ – Kannada" lang="kn" hreflang="kn" data-title="ಡೆಬಿಟ್ ಕಾರ್ಡ್" data-language-autonym="ಕನ್ನಡ" data-language-local-name="Kannada" class="interlanguage-link-target"><span>ಕನ್ನಡ</span></a></li><li class="interlanguage-link interwiki-kk mw-list-item"><a href="https://kk.wikipedia.org/wiki/%D0%A2%D3%A9%D0%BB%D0%B5%D0%BC_%D0%BA%D0%B0%D1%80%D1%82%D0%BE%D1%87%D0%BA%D0%B0%D1%81%D1%8B" title="Төлем карточкасы – Kazakh" lang="kk" hreflang="kk" data-title="Төлем карточкасы" data-language-autonym="Қазақша" data-language-local-name="Kazakh" class="interlanguage-link-target"><span>Қазақша</span></a></li><li class="interlanguage-link interwiki-ku mw-list-item"><a href="https://ku.wikipedia.org/wiki/Karta_bank%C3%AA" title="Karta bankê – Kurdish" lang="ku" hreflang="ku" data-title="Karta bankê" data-language-autonym="Kurdî" data-language-local-name="Kurdish" class="interlanguage-link-target"><span>Kurdî</span></a></li><li class="interlanguage-link interwiki-lt mw-list-item"><a href="https://lt.wikipedia.org/wiki/Debeto_kortel%C4%97" title="Debeto kortelė – Lithuanian" lang="lt" hreflang="lt" data-title="Debeto kortelė" data-language-autonym="Lietuvių" data-language-local-name="Lithuanian" class="interlanguage-link-target"><span>Lietuvių</span></a></li><li class="interlanguage-link interwiki-hu mw-list-item"><a href="https://hu.wikipedia.org/wiki/Bankk%C3%A1rtya" title="Bankkártya – Hungarian" lang="hu" hreflang="hu" data-title="Bankkártya" data-language-autonym="Magyar" data-language-local-name="Hungarian" class="interlanguage-link-target"><span>Magyar</span></a></li><li class="interlanguage-link interwiki-mk mw-list-item"><a href="https://mk.wikipedia.org/wiki/%D0%94%D0%B5%D0%B1%D0%B8%D1%82%D0%BD%D0%B0_%D0%BA%D0%B0%D1%80%D1%82%D0%B0" title="Дебитна карта – Macedonian" lang="mk" hreflang="mk" data-title="Дебитна карта" data-language-autonym="Македонски" data-language-local-name="Macedonian" class="interlanguage-link-target"><span>Македонски</span></a></li><li class="interlanguage-link interwiki-ml mw-list-item"><a href="https://ml.wikipedia.org/wiki/%E0%B4%A1%E0%B5%86%E0%B4%AC%E0%B4%BF%E0%B4%B1%E0%B5%8D%E0%B4%B1%E0%B5%8D_%E0%B4%95%E0%B4%BE%E0%B5%BC%E0%B4%A1%E0%B5%8D%E2%80%8C" title="ഡെബിറ്റ് കാർഡ്‌ – Malayalam" lang="ml" hreflang="ml" data-title="ഡെബിറ്റ് കാർഡ്‌" data-language-autonym="മലയാളം" data-language-local-name="Malayalam" class="interlanguage-link-target"><span>മലയാളം</span></a></li><li class="interlanguage-link interwiki-ms mw-list-item"><a href="https://ms.wikipedia.org/wiki/Kad_debit" title="Kad debit – Malay" lang="ms" hreflang="ms" data-title="Kad debit" data-language-autonym="Bahasa Melayu" data-language-local-name="Malay" class="interlanguage-link-target"><span>Bahasa Melayu</span></a></li><li class="interlanguage-link interwiki-min mw-list-item"><a href="https://min.wikipedia.org/wiki/Kartu_debit" title="Kartu debit – Minangkabau" lang="min" hreflang="min" data-title="Kartu debit" data-language-autonym="Minangkabau" data-language-local-name="Minangkabau" class="interlanguage-link-target"><span>Minangkabau</span></a></li><li class="interlanguage-link interwiki-mn mw-list-item"><a href="https://mn.wikipedia.org/wiki/%D0%94%D0%B5%D0%B1%D0%B8%D1%82_%D0%BA%D0%B0%D1%80%D1%82" title="Дебит карт – Mongolian" lang="mn" hreflang="mn" data-title="Дебит карт" data-language-autonym="Монгол" data-language-local-name="Mongolian" class="interlanguage-link-target"><span>Монгол</span></a></li><li class="interlanguage-link interwiki-ne mw-list-item"><a href="https://ne.wikipedia.org/wiki/%E0%A4%A1%E0%A5%87%E0%A4%AC%E0%A4%BF%E0%A4%9F_%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%8D%E0%A4%A1" title="डेबिट कार्ड – Nepali" lang="ne" hreflang="ne" data-title="डेबिट कार्ड" data-language-autonym="नेपाली" data-language-local-name="Nepali" class="interlanguage-link-target"><span>नेपाली</span></a></li><li class="interlanguage-link interwiki-ja mw-list-item"><a href="https://ja.wikipedia.org/wiki/%E3%83%87%E3%83%93%E3%83%83%E3%83%88%E3%82%AB%E3%83%BC%E3%83%89" title="デビットカード – Japanese" lang="ja" hreflang="ja" data-title="デビットカード" data-language-autonym="日本語" data-language-local-name="Japanese" class="interlanguage-link-target"><span>日本語</span></a></li><li class="interlanguage-link interwiki-no mw-list-item"><a href="https://no.wikipedia.org/wiki/Debetkort" title="Debetkort – Norwegian Bokmål" lang="nb" hreflang="nb" data-title="Debetkort" data-language-autonym="Norsk bokmål" data-language-local-name="Norwegian Bokmål" class="interlanguage-link-target"><span>Norsk bokmål</span></a></li><li class="interlanguage-link interwiki-nn mw-list-item"><a href="https://nn.wikipedia.org/wiki/Debetkort" title="Debetkort – Norwegian Nynorsk" lang="nn" hreflang="nn" data-title="Debetkort" data-language-autonym="Norsk nynorsk" data-language-local-name="Norwegian Nynorsk" class="interlanguage-link-target"><span>Norsk nynorsk</span></a></li><li class="interlanguage-link interwiki-or mw-list-item"><a href="https://or.wikipedia.org/wiki/%E0%AC%A1%E0%AD%87%E0%AC%AC%E0%AC%BF%E0%AC%9F%E0%AD%8D_%E0%AC%95%E0%AC%BE%E0%AC%B0%E0%AD%8D%E0%AC%A1%E0%AC%BC" title="ଡେବିଟ୍ କାର୍ଡ଼ – Odia" lang="or" hreflang="or" data-title="ଡେବିଟ୍ କାର୍ଡ଼" data-language-autonym="ଓଡ଼ିଆ" data-language-local-name="Odia" class="interlanguage-link-target"><span>ଓଡ଼ିଆ</span></a></li><li class="interlanguage-link interwiki-uz mw-list-item"><a href="https://uz.wikipedia.org/wiki/Debet_karta" title="Debet karta – Uzbek" lang="uz" hreflang="uz" data-title="Debet karta" data-language-autonym="Oʻzbekcha / ўзбекча" data-language-local-name="Uzbek" class="interlanguage-link-target"><span>Oʻzbekcha / ўзбекча</span></a></li><li class="interlanguage-link interwiki-pa mw-list-item"><a href="https://pa.wikipedia.org/wiki/%E0%A8%A1%E0%A9%88%E0%A8%AC%E0%A8%BF%E0%A8%9F_%E0%A8%95%E0%A8%BE%E0%A8%B0%E0%A8%A1" title="ਡੈਬਿਟ ਕਾਰਡ – Punjabi" lang="pa" hreflang="pa" data-title="ਡੈਬਿਟ ਕਾਰਡ" data-language-autonym="ਪੰਜਾਬੀ" data-language-local-name="Punjabi" class="interlanguage-link-target"><span>ਪੰਜਾਬੀ</span></a></li><li class="interlanguage-link interwiki-pnb mw-list-item"><a href="https://pnb.wikipedia.org/wiki/%DA%88%DB%8C%D8%A8%D9%B9_%DA%A9%D8%A7%D8%B1%DA%88" title="ڈیبٹ کارڈ – Western Punjabi" lang="pnb" hreflang="pnb" data-title="ڈیبٹ کارڈ" data-language-autonym="پنجابی" data-language-local-name="Western Punjabi" class="interlanguage-link-target"><span>پنجابی</span></a></li><li class="interlanguage-link interwiki-ps mw-list-item"><a href="https://ps.wikipedia.org/wiki/%DA%89%DB%90%D8%A8%D9%BC_%DA%A9%D8%A7%D8%B1%DA%89" title="ډېبټ کارډ – Pashto" lang="ps" hreflang="ps" data-title="ډېبټ کارډ" data-language-autonym="پښتو" data-language-local-name="Pashto" class="interlanguage-link-target"><span>پښتو</span></a></li><li class="interlanguage-link interwiki-pl mw-list-item"><a href="https://pl.wikipedia.org/wiki/Karta_debetowa" title="Karta debetowa – Polish" lang="pl" hreflang="pl" data-title="Karta debetowa" data-language-autonym="Polski" data-language-local-name="Polish" class="interlanguage-link-target"><span>Polski</span></a></li><li class="interlanguage-link interwiki-pt mw-list-item"><a href="https://pt.wikipedia.org/wiki/Cart%C3%A3o_de_d%C3%A9bito" title="Cartão de débito – Portuguese" lang="pt" hreflang="pt" data-title="Cartão de débito" data-language-autonym="Português" data-language-local-name="Portuguese" class="interlanguage-link-target"><span>Português</span></a></li><li class="interlanguage-link interwiki-ru mw-list-item"><a href="https://ru.wikipedia.org/wiki/%D0%94%D0%B5%D0%B1%D0%B5%D1%82%D0%BE%D0%B2%D0%B0%D1%8F_%D0%BA%D0%B0%D1%80%D1%82%D0%B0" title="Дебетовая карта – Russian" lang="ru" hreflang="ru" data-title="Дебетовая карта" data-language-autonym="Русский" data-language-local-name="Russian" class="interlanguage-link-target"><span>Русский</span></a></li><li class="interlanguage-link interwiki-sq mw-list-item"><a href="https://sq.wikipedia.org/wiki/Pagesa_elektronike" title="Pagesa elektronike – Albanian" lang="sq" hreflang="sq" data-title="Pagesa elektronike" data-language-autonym="Shqip" data-language-local-name="Albanian" class="interlanguage-link-target"><span>Shqip</span></a></li><li class="interlanguage-link interwiki-si mw-list-item"><a href="https://si.wikipedia.org/wiki/%E0%B7%84%E0%B6%BB_%E0%B6%B4%E0%B6%AD" title="හර පත – Sinhala" lang="si" hreflang="si" data-title="හර පත" data-language-autonym="සිංහල" data-language-local-name="Sinhala" class="interlanguage-link-target"><span>සිංහල</span></a></li><li class="interlanguage-link interwiki-simple mw-list-item"><a href="https://simple.wikipedia.org/wiki/Debit_card" title="Debit card – Simple English" lang="en-simple" hreflang="en-simple" data-title="Debit card" data-language-autonym="Simple English" data-language-local-name="Simple English" class="interlanguage-link-target"><span>Simple English</span></a></li><li class="interlanguage-link interwiki-sk mw-list-item"><a href="https://sk.wikipedia.org/wiki/Debetn%C3%A1_karta" title="Debetná karta – Slovak" lang="sk" hreflang="sk" data-title="Debetná karta" data-language-autonym="Slovenčina" data-language-local-name="Slovak" class="interlanguage-link-target"><span>Slovenčina</span></a></li><li class="interlanguage-link interwiki-ckb mw-list-item"><a href="https://ckb.wikipedia.org/wiki/%D8%AF%DB%8C%D8%A8%DB%8C%D8%AA_%DA%A9%D8%A7%D8%B1%D8%AA_(%DA%A9%D8%A7%D8%B1%D8%AA%DB%8C_%D9%82%DB%95%D8%B1%D8%B2)" title="دیبیت کارت (کارتی قەرز) – Central Kurdish" lang="ckb" hreflang="ckb" data-title="دیبیت کارت (کارتی قەرز)" data-language-autonym="کوردی" data-language-local-name="Central Kurdish" class="interlanguage-link-target"><span>کوردی</span></a></li><li class="interlanguage-link interwiki-sr mw-list-item"><a href="https://sr.wikipedia.org/wiki/%D0%94%D0%B5%D0%B1%D0%B8%D1%82%D0%BD%D0%B0_%D0%BA%D0%B0%D1%80%D1%82%D0%B8%D1%86%D0%B0" title="Дебитна картица – Serbian" lang="sr" hreflang="sr" data-title="Дебитна картица" data-language-autonym="Српски / srpski" data-language-local-name="Serbian" class="interlanguage-link-target"><span>Српски / srpski</span></a></li><li class="interlanguage-link interwiki-fi mw-list-item"><a href="https://fi.wikipedia.org/wiki/Pankkikortti" title="Pankkikortti – Finnish" lang="fi" hreflang="fi" data-title="Pankkikortti" data-language-autonym="Suomi" data-language-local-name="Finnish" class="interlanguage-link-target"><span>Suomi</span></a></li><li class="interlanguage-link interwiki-tl mw-list-item"><a href="https://tl.wikipedia.org/wiki/Debit_card" title="Debit card – Tagalog" lang="tl" hreflang="tl" data-title="Debit card" data-language-autonym="Tagalog" data-language-local-name="Tagalog" class="interlanguage-link-target"><span>Tagalog</span></a></li><li class="interlanguage-link interwiki-ta mw-list-item"><a href="https://ta.wikipedia.org/wiki/%E0%AE%AA%E0%AE%B1%E0%AF%8D%E0%AE%B1%E0%AF%81_%E0%AE%85%E0%AE%9F%E0%AF%8D%E0%AE%9F%E0%AF%88" title="பற்று அட்டை – Tamil" lang="ta" hreflang="ta" data-title="பற்று அட்டை" data-language-autonym="தமிழ்" data-language-local-name="Tamil" class="interlanguage-link-target"><span>தமிழ்</span></a></li><li class="interlanguage-link interwiki-th mw-list-item"><a href="https://th.wikipedia.org/wiki/%E0%B8%9A%E0%B8%B1%E0%B8%95%E0%B8%A3%E0%B9%80%E0%B8%94%E0%B8%9A%E0%B8%B4%E0%B8%95" title="บัตรเดบิต – Thai" lang="th" hreflang="th" data-title="บัตรเดบิต" data-language-autonym="ไทย" data-language-local-name="Thai" class="interlanguage-link-target"><span>ไทย</span></a></li><li class="interlanguage-link interwiki-tr mw-list-item"><a href="https://tr.wikipedia.org/wiki/Banka_kart%C4%B1" title="Banka kartı – Turkish" lang="tr" hreflang="tr" data-title="Banka kartı" data-language-autonym="Türkçe" data-language-local-name="Turkish" class="interlanguage-link-target"><span>Türkçe</span></a></li><li class="interlanguage-link interwiki-uk mw-list-item"><a href="https://uk.wikipedia.org/wiki/%D0%94%D0%B5%D0%B1%D0%B5%D1%82%D0%BE%D0%B2%D0%B0_%D0%BA%D0%B0%D1%80%D1%82%D0%BA%D0%B0" title="Дебетова картка – Ukrainian" lang="uk" hreflang="uk" data-title="Дебетова картка" data-language-autonym="Українська" data-language-local-name="Ukrainian" class="interlanguage-link-target"><span>Українська</span></a></li><li class="interlanguage-link interwiki-ur mw-list-item"><a href="https://ur.wikipedia.org/wiki/%DA%88%DB%8C%D8%A8%D9%B9_%DA%A9%D8%A7%D8%B1%DA%88" title="ڈیبٹ کارڈ – Urdu" lang="ur" hreflang="ur" data-title="ڈیبٹ کارڈ" data-language-autonym="اردو" data-language-local-name="Urdu" class="interlanguage-link-target"><span>اردو</span></a></li><li class="interlanguage-link interwiki-vi mw-list-item"><a href="https://vi.wikipedia.org/wiki/Th%E1%BA%BB_ghi_n%E1%BB%A3" title="Thẻ ghi nợ – Vietnamese" lang="vi" hreflang="vi" data-title="Thẻ ghi nợ" data-language-autonym="Tiếng Việt" data-language-local-name="Vietnamese" class="interlanguage-link-target"><span>Tiếng Việt</span></a></li><li class="interlanguage-link interwiki-wuu mw-list-item"><a href="https://wuu.wikipedia.org/wiki/%E5%80%9F%E8%AE%B0%E5%8D%A1" title="借记卡 – Wu" lang="wuu" hreflang="wuu" data-title="借记卡" data-language-autonym="吴语" data-language-local-name="Wu" class="interlanguage-link-target"><span>吴语</span></a></li><li class="interlanguage-link interwiki-zh-yue mw-list-item"><a href="https://zh-yue.wikipedia.org/wiki/%E6%89%A3%E8%B3%AC%E5%92%AD" title="扣賬咭 – Cantonese" lang="yue" hreflang="yue" data-title="扣賬咭" data-language-autonym="粵語" data-language-local-name="Cantonese" class="interlanguage-link-target"><span>粵語</span></a></li><li class="interlanguage-link interwiki-zh mw-list-item"><a href="https://zh.wikipedia.org/wiki/%E5%80%9F%E8%AE%B0%E5%8D%A1" title="借记卡 – Chinese" lang="zh" hreflang="zh" data-title="借记卡" 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class="noprint">From Wikipedia, the free encyclopedia</div> </div> <div id="contentSub"><div id="mw-content-subtitle"></div></div> <div id="mw-content-text" class="mw-body-content"><div class="mw-content-ltr mw-parser-output" lang="en" dir="ltr"><div class="shortdescription nomobile noexcerpt noprint searchaux" style="display:none">Card used for financial transactions, usually without a credit line</div> <p class="mw-empty-elt"> </p> <figure class="mw-default-size" typeof="mw:File/Thumb"><a href="/wiki/File:FidorBank_Debit_MasterCard_(cropped).jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/0/0c/FidorBank_Debit_MasterCard_%28cropped%29.jpg/220px-FidorBank_Debit_MasterCard_%28cropped%29.jpg" decoding="async" width="220" height="145" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/0/0c/FidorBank_Debit_MasterCard_%28cropped%29.jpg/330px-FidorBank_Debit_MasterCard_%28cropped%29.jpg 1.5x, 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.sidebar{width:100%!important;clear:both;float:none!important;margin-left:0!important;margin-right:0!important}}body.skin--responsive .mw-parser-output .sidebar a>img{max-width:none!important}@media screen{html.skin-theme-clientpref-night .mw-parser-output .sidebar:not(.notheme) .sidebar-list-title,html.skin-theme-clientpref-night .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle{background:transparent!important}html.skin-theme-clientpref-night .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle a{color:var(--color-progressive)!important}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .sidebar:not(.notheme) .sidebar-list-title,html.skin-theme-clientpref-os .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle{background:transparent!important}html.skin-theme-clientpref-os .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle a{color:var(--color-progressive)!important}}@media print{body.ns-0 .mw-parser-output .sidebar{display:none!important}}</style><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><table class="sidebar sidebar-collapse nomobile nowraplinks"><tbody><tr><td class="sidebar-pretitle">Part of a series on <a href="/wiki/Financial_services" title="Financial services">financial services</a></td></tr><tr><th class="sidebar-title-with-pretitle" style="background:#efefef;padding:0.4em;"><a href="/wiki/Bank" title="Bank">Banking</a></th></tr><tr><td class="sidebar-image"><span class="skin-invert" typeof="mw:File"><a href="/wiki/File:Community_Noun_project_39956.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/120px-Community_Noun_project_39956.svg.png" decoding="async" width="120" height="126" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/180px-Community_Noun_project_39956.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/240px-Community_Noun_project_39956.svg.png 2x" data-file-width="56" data-file-height="59" /></a></span></td></tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Types of banks</div><div class="sidebar-list-content mw-collapsible-content hlist"> <ul><li><a href="/wiki/Advising_bank" title="Advising bank">Advising</a></li> <li><a href="/wiki/Banq_(term)" class="mw-redirect" title="Banq (term)">Banq</a></li> <li><a href="/wiki/Bulge_bracket" title="Bulge bracket">Bulge bracket</a></li> <li><a href="/wiki/Central_bank" title="Central bank">Central</a></li> <li><a href="/wiki/Commercial_bank" title="Commercial bank">Commercial</a></li> <li><a href="/wiki/Community_development_bank" title="Community development bank">Community development</a></li> <li><a href="/wiki/Cooperative_banking" title="Cooperative banking">Cooperative</a></li> <li><a href="/wiki/Credit_union" title="Credit union">Credit union</a></li> <li><a href="/wiki/Custodian_bank" title="Custodian bank">Custodian</a></li> <li><a href="/wiki/Depository_bank" title="Depository bank">Depository</a></li> <li><a href="/wiki/Development_finance_institution" title="Development finance institution">Development</a></li> <li><a href="/wiki/Direct_bank" title="Direct bank">Direct</a></li> <li><a href="/wiki/Export_credit_agency" title="Export credit agency">Export credit agency</a></li> <li><a href="/wiki/Investment_banking" title="Investment banking">Investment</a></li> <li><a href="/wiki/Industrial_loan_company" title="Industrial loan company">Industrial</a></li> <li><a href="/wiki/Merchant_bank" title="Merchant bank">Merchant</a></li> <li><a href="/wiki/Bulge_Bracket#Middle_Market" class="mw-redirect" title="Bulge Bracket">Middle market</a></li> <li><a href="/wiki/Money_center_bank" title="Money center bank">Money center</a></li> <li><a href="/wiki/Mutual_savings_bank" title="Mutual savings bank">Mutual savings</a></li> <li><a href="/wiki/Neobank" title="Neobank">Neobank</a></li> <li><a href="/wiki/Offshore_bank" title="Offshore bank">Offshore</a></li> <li><a href="/wiki/Participation_banking" title="Participation banking">Participation</a></li> <li><a href="/wiki/Payments_bank" title="Payments bank">Payments</a></li> <li><a href="/wiki/Postal_savings_system" title="Postal savings system">Postal savings</a></li> <li><a href="/wiki/Private_bank" title="Private bank">Private</a></li> <li><a href="/wiki/Public_bank" title="Public bank">Public</a></li> <li><a href="/wiki/Retail_banking" title="Retail banking">Retail</a></li> <li><a href="/wiki/Savings_bank" title="Savings bank">Savings</a></li> <li><a href="/wiki/Savings_and_loan_association" title="Savings and loan association">Savings and loan</a></li> <li><a href="/wiki/Universal_bank" title="Universal bank">Universal</a></li> <li><a href="/wiki/Wholesale_banking" title="Wholesale banking">Wholesale</a></li> <li><a href="/wiki/Bank_holding_company" title="Bank holding company">Bank holding company</a></li></ul> <i><a href="/wiki/Lists_of_banks" title="Lists of banks">Lists of banks</a></i></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)"><a href="/wiki/Bank_account" title="Bank account">Accounts</a> <b>·</b> <a href="/wiki/Bank_card" title="Bank card">Cards</a></div><div class="sidebar-list-content mw-collapsible-content hlist"><table class="sidebar nomobile nowraplinks" style="background-color: transparent; color: var( --color-base ); border-collapse:collapse; border-spacing:0px; border:none; width:100%; margin:0px; font-size:100%; clear:none; float:none"><tbody><tr><th class="sidebar-heading" style="background:#e9e9ff;font-weight:normal; display:block;margin-top:0.15em;"> Accounts</th></tr><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/Christmas_club" title="Christmas club">Christmas club</a></li> <li><a href="/wiki/Deposit_account" title="Deposit account">Deposit</a></li> <li><a href="/wiki/Money_market_account" title="Money market account">Money-market</a></li> <li><a href="/wiki/Savings_account" title="Savings account">Savings</a></li> <li><a href="/wiki/Time_deposit" title="Time deposit">Time deposit (Bond)</a></li></ul> <a href="/wiki/Transaction_account" title="Transaction account">Transaction (checking / current)</a></td> </tr><tr><th class="sidebar-heading" style="background:#e9e9ff;font-weight:normal; display:block;margin-top:0.15em;"> Cards</th></tr><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/ATM_card" title="ATM card">ATM</a></li> <li><a href="/wiki/Credit_card" title="Credit card">Credit</a></li> <li><a class="mw-selflink selflink">Debit</a></li> <li><a href="/wiki/Credit_card#Prepaid_cards" title="Credit card">Prepaid</a></li></ul></td> </tr></tbody></table></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Funds transfer</div><div class="sidebar-list-content mw-collapsible-content hlist"> <ul><li><a href="/wiki/Cheque" title="Cheque">Cheque</a></li> <li><a href="/wiki/Payment_card" title="Payment card">Card</a></li> <li><a href="/wiki/Electronic_funds_transfer" title="Electronic funds transfer">Electronic</a> <ul><li><a href="/wiki/Electronic_bill_payment" title="Electronic bill payment">Bill payment</a></li> <li><a href="/wiki/Mobile_payment" title="Mobile payment">Mobile</a></li></ul></li> <li><a href="/wiki/Wire_transfer" title="Wire transfer">Wire</a> <ul><li><a href="/wiki/Real-time_gross_settlement" title="Real-time gross settlement">RTGS</a></li> <li><a href="/wiki/Net_settlement" title="Net settlement">NS</a></li></ul></li> <li><a href="/wiki/Automated_clearing_house" title="Automated clearing house">ACH</a></li> <li><a href="/wiki/Instant_payment" title="Instant payment">Instant payment</a></li> <li><a href="/wiki/Giro_(banking)" title="Giro (banking)">Giro</a></li> <li><a href="/wiki/SWIFT" title="SWIFT">SWIFT</a> <ul><li><a href="/wiki/Correspondent_account" title="Correspondent account">Correspondent account</a></li></ul></li> <li><a href="/wiki/CLS_Group#Operations" title="CLS Group">CLS</a></li> <li><a href="/wiki/Cross-Border_Interbank_Payment_System" title="Cross-Border Interbank Payment System">CIPS</a></li> <li><a href="/wiki/SPFS" title="SPFS">SPFS</a></li> <li><a href="/wiki/BRICS_PAY" title="BRICS PAY">BRICS PAY</a></li></ul></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Terms</div><div class="sidebar-list-content mw-collapsible-content hlist"><table class="sidebar nomobile nowraplinks" style="background-color: transparent; color: var( --color-base ); border-collapse:collapse; border-spacing:0px; border:none; width:100%; margin:0px; font-size:100%; clear:none; float:none"><tbody><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/Asset" title="Asset">Asset</a> <ul><li><a href="/wiki/Asset_allocation" title="Asset allocation">allocation</a></li> <li><a href="/wiki/Asset_and_liability_management" title="Asset and liability management">management</a></li></ul></li> <li><a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">Automated teller machine</a></li> <li><a href="/wiki/Bad_debt" title="Bad debt">Bad debt</a></li> <li><a href="/wiki/Bank_regulation" class="mw-redirect" title="Bank regulation">Bank regulation</a></li> <li><a href="/wiki/Bank_secrecy" title="Bank secrecy">Bank secrecy</a></li> <li><a href="/wiki/Capital_appreciation" title="Capital appreciation">Asset growth</a></li> <li><a href="/wiki/Capital_asset" title="Capital asset">Capital asset</a></li> <li><a href="/wiki/Cash" title="Cash">Cash</a></li> <li><a href="/wiki/Climate_finance" title="Climate finance">Climate finance</a></li> <li><a href="/wiki/Corporate_finance" title="Corporate finance">Corporate finance</a></li> <li><a href="/wiki/Disinvestment" title="Disinvestment">Disinvestment</a></li> <li><a href="/wiki/Diversification_(finance)" title="Diversification (finance)">Diversification (finance)</a></li> <li><a href="/wiki/Eco-investing" title="Eco-investing">Eco-investing</a></li> <li><a href="/wiki/Economic_bubble" title="Economic bubble">Economic bubble</a></li> <li><a href="/wiki/Economic_expansion" title="Economic expansion">Economic expansion</a></li> <li><a href="/wiki/Enterprise_value" title="Enterprise value">Enterprise value</a></li> <li><a href="/wiki/Enterprise_risk_management" title="Enterprise risk management">Enterprise risk management</a></li> <li><a href="/wiki/Environmental_finance" title="Environmental finance">Environmental finance</a></li> <li><a href="/wiki/Environmental,_social,_and_governance" title="Environmental, social, and governance">ESG</a></li> <li><a href="/wiki/Ethical_banking" title="Ethical banking">Ethical banking</a></li> <li><a href="/wiki/Finance" title="Finance">Financial</a> <ul><li><a href="/wiki/Financial_analysis" title="Financial analysis">analysis</a></li> <li><a href="/wiki/Financial_analyst" title="Financial analyst">analyst</a></li> <li><a href="/wiki/Financial_asset" title="Financial asset">asset</a></li> <li><a href="/wiki/Financial_economics" title="Financial economics">economics</a></li> <li><a href="/wiki/Financial_engineering" title="Financial engineering">engineering</a></li> <li><a href="/wiki/Financial_forecast" title="Financial forecast">forecast</a></li> <li><a href="/wiki/Financial_plan" title="Financial plan">plan</a></li> <li><a href="/wiki/Financial_planner" title="Financial planner">planner</a></li> <li><a href="/wiki/Financial_services" title="Financial services">services</a></li></ul></li> <li><a href="/wiki/Fractional-reserve_banking" title="Fractional-reserve banking">Fractional-reserve banking</a></li> <li><a href="/wiki/Full-reserve_banking" title="Full-reserve banking">Full-reserve banking</a></li> <li><a href="/wiki/Fundamental_analysis" title="Fundamental analysis">Fundamental analysis</a></li> <li><a href="/wiki/Growth_investing" title="Growth investing">Growth investing</a></li> <li><a href="/wiki/Hedge_(finance)" title="Hedge (finance)">Hedge (finance)</a></li> <li><a href="/wiki/Impact_investing" title="Impact investing">Impact investing</a></li> <li><a href="/wiki/Investment_advisory" title="Investment advisory">Investment advisory</a></li> <li><a href="/wiki/Investment_management" title="Investment management">Investment management</a></li> <li><a href="/wiki/Islamic_banking_and_finance" title="Islamic banking and finance">Islamic banking</a></li> <li><a href="/wiki/Loan" title="Loan">Loan</a></li> <li><a href="/wiki/Mathematical_finance" title="Mathematical finance">Mathematical finance</a></li> <li><a href="/wiki/Mobile_banking" title="Mobile banking">Mobile banking</a></li> <li><a href="/wiki/Money_creation" title="Money creation">Money creation</a></li> <li><a href="/wiki/Pension_fund" title="Pension fund">Pension fund</a></li> <li><a href="/wiki/Private_banking" title="Private banking">Private banking</a></li> <li><a href="/wiki/Sustainability" title="Sustainability">Sustainability</a></li> <li><a href="/wiki/Sustainable_finance" title="Sustainable finance">Sustainable finance</a></li> <li><a href="/wiki/Speculation" title="Speculation">Speculation</a></li> <li><a href="/wiki/Statistical_finance" title="Statistical finance">Statistical finance</a></li> <li><a href="/wiki/Strategic_financial_management" title="Strategic financial management">Strategic financial management</a></li> <li><a href="/wiki/Stress_test_(financial)" title="Stress test (financial)">Stress test (financial)</a></li> <li><a href="/wiki/Structured_finance" title="Structured finance">Structured finance</a></li> <li><a href="/wiki/Structured_product" title="Structured product">Structured product</a></li> <li><a href="/wiki/Toxic_asset" title="Toxic asset">Toxic asset</a></li></ul></td> </tr></tbody></table></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Related topics</div><div class="sidebar-list-content mw-collapsible-content hlist" style="padding-bottom:0;"> <ul><li><a href="/wiki/Asset_pricing" title="Asset pricing">Asset pricing</a></li> <li><a href="/wiki/Bond_(finance)" title="Bond (finance)">Bond (finance)</a></li> <li><a href="/wiki/Capital_structure" title="Capital structure">Capital structure</a></li> <li><a href="/wiki/Corporate_finance" title="Corporate finance">Corporate finance</a></li> <li><a href="/wiki/Cost_of_capital" title="Cost of capital">Cost of capital</a></li> <li><a href="/wiki/Equity_(finance)" title="Equity (finance)">Equity (finance)</a></li> <li><a href="/wiki/Ethical_banking" title="Ethical banking">Ethical banking</a></li> <li><a href="/wiki/Exchange_traded_fund" class="mw-redirect" title="Exchange traded fund">Exchange traded fund</a></li> <li><a href="/wiki/Finance" title="Finance">Financial</a></li> <li><a href="/wiki/Financial_law" title="Financial law">law</a> <ul><li><a href="/wiki/Financial_market" title="Financial market">market</a></li> <li><a href="/wiki/Financial_market_participants" title="Financial market participants">participants</a></li> <li><a href="/wiki/Financial_regulation" title="Financial regulation">regulation</a></li> <li><a href="/wiki/Financial_risk" title="Financial risk">risk</a></li> <li><a href="/wiki/Financial_system" title="Financial system">system</a></li></ul></li> <li><a href="/wiki/History_of_banking" title="History of banking">History of banking</a></li> <li><a href="/wiki/List_of_banks_(alphabetical)" title="List of banks (alphabetical)">List of banks</a></li> <li><a href="/wiki/Market_risk" title="Market risk">Market risk</a></li> <li><a href="/wiki/Personal_finance" title="Personal finance">Personal finance</a></li> <li><a href="/wiki/Public_finance" title="Public finance">Public finance</a></li> <li><a href="/wiki/Security_(finance)" title="Security (finance)">Security (finance)</a></li> <li><a href="/wiki/Share_(finance)" title="Share (finance)">Shares</a></li> <li><a href="/wiki/Sustainable_development_goals" class="mw-redirect" title="Sustainable development goals">Sustainable development goals</a></li> <li><a href="/wiki/Systematic_risk" title="Systematic risk">Systematic risk</a></li> <li><a href="/wiki/Systemic_risk" title="Systemic risk">Systemic risk</a></li> <li><a href="/wiki/Time_value_of_money" title="Time value of money">Time value of money</a></li> <li><a href="/wiki/Too_big_to_fail" title="Too big to fail">Too big to fail</a></li> <li><a href="/wiki/Too_connected_to_fail" title="Too connected to fail">Too connected to fail</a></li> <li><a href="/wiki/Watered_stock" title="Watered stock">Watered stock</a></li></ul> <ol><li class="mw-empty-elt"></li></ol></div></div></td> </tr><tr><td class="sidebar-below hlist"> <ul><li><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/31px-Symbol_category_class.svg.png 2x" data-file-width="180" data-file-height="185" /></span></span> <a href="/wiki/Category:Banking" title="Category:Banking">Category</a></li> <li><span class="noviewer" typeof="mw:File"><span title="Commons page"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/12px-Commons-logo.svg.png" decoding="async" width="12" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/18px-Commons-logo.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/24px-Commons-logo.svg.png 2x" data-file-width="1024" data-file-height="1376" /></span></span> <a href="https://commons.wikimedia.org/wiki/Category:Banking" class="extiw" title="commons:Category:Banking">Commons</a></li> <li><span class="noviewer" typeof="mw:File"><a href="/wiki/File:Symbol_portal_class.svg" class="mw-file-description" title="Portal"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/e/e2/Symbol_portal_class.svg/16px-Symbol_portal_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/e/e2/Symbol_portal_class.svg/23px-Symbol_portal_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/e/e2/Symbol_portal_class.svg/31px-Symbol_portal_class.svg.png 2x" data-file-width="180" data-file-height="185" /></a></span> <a href="/wiki/Portal:Banking" class="mw-redirect" title="Portal:Banking">Portal</a></li></ul></td></tr><tr><td class="sidebar-navbar"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><style data-mw-deduplicate="TemplateStyles:r1239400231">.mw-parser-output .navbar{display:inline;font-size:88%;font-weight:normal}.mw-parser-output .navbar-collapse{float:left;text-align:left}.mw-parser-output .navbar-boxtext{word-spacing:0}.mw-parser-output .navbar ul{display:inline-block;white-space:nowrap;line-height:inherit}.mw-parser-output .navbar-brackets::before{margin-right:-0.125em;content:"[ "}.mw-parser-output .navbar-brackets::after{margin-left:-0.125em;content:" ]"}.mw-parser-output .navbar li{word-spacing:-0.125em}.mw-parser-output .navbar a>span,.mw-parser-output .navbar a>abbr{text-decoration:inherit}.mw-parser-output .navbar-mini abbr{font-variant:small-caps;border-bottom:none;text-decoration:none;cursor:inherit}.mw-parser-output .navbar-ct-full{font-size:114%;margin:0 7em}.mw-parser-output .navbar-ct-mini{font-size:114%;margin:0 4em}html.skin-theme-clientpref-night .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}@media(prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}}@media print{.mw-parser-output .navbar{display:none!important}}</style><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Banking" title="Template:Banking"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Banking" title="Template talk:Banking"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Banking" title="Special:EditPage/Template:Banking"><abbr title="Edit this template">e</abbr></a></li></ul></div></td></tr></tbody></table> <p>A <b>debit card</b>, also known as a <b>check card</b> or <b>bank card</b>, is a <a href="/wiki/Payment_card" title="Payment card">payment card</a> that can be used in place of <a href="/wiki/Cash" title="Cash">cash</a> to make purchases. The card usually consists of the bank's name, a card number, the cardholder's name, and an expiration date, on either the front or the back. Many new cards now have a chip on them, which allows people to use their card by touch (contactless), or by inserting the card and keying in a PIN as with swiping the magnetic stripe. Debit cards are similar to a <a href="/wiki/Credit_card" title="Credit card">credit card</a>, but the money for the purchase must be in the cardholder's <a href="/wiki/Bank_account" title="Bank account">bank account</a> at the time of the purchase and is immediately transferred directly from that account to the merchant's account to pay for the purchase.<sup id="cite_ref-XferAlmostImmed_1-0" class="reference"><a href="#cite_note-XferAlmostImmed-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-DeLuxLarger_2-0" class="reference"><a href="#cite_note-DeLuxLarger-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> </p><p>Some debit cards carry a <a href="/wiki/Stored-value_card" title="Stored-value card">stored value</a> with which a payment is made (prepaid cards), but most relay a message to the cardholder's bank to withdraw funds from the cardholder's designated bank account. In some cases, the <a href="/wiki/Payment_card_number" title="Payment card number">payment card number</a> is assigned exclusively for use on the Internet, and there is no physical card. This is referred to as a <a href="/wiki/Virtual_card" class="mw-redirect" title="Virtual card">virtual card</a>. </p><p>In many countries, the use of debit cards has become so widespread that they have overtaken <a href="/wiki/Cheque" title="Cheque">checks</a> in volume or have entirely replaced them; in some instances, debit cards have also largely replaced cash transactions. The development of debit cards, unlike <a href="/wiki/Credit_card" title="Credit card">credit cards</a> and <a href="/wiki/Charge_card" title="Charge card">charge cards</a>, has generally been country-specific, resulting in a number of different systems around the world that are often incompatible. Since the mid-2000s, a number of initiatives have allowed debit cards issued in one country to be used in other countries and allowed their use for internet and phone purchases. </p><p>Debit cards usually also allow an instant withdrawal of cash, acting as an <a href="/wiki/ATM_card" title="ATM card">ATM card</a> for this purpose. Merchants may also offer <a href="/wiki/Debit_card_cashback" title="Debit card cashback">cashback</a> facilities to customers so that they can withdraw cash along with their purchase. There are usually daily limits on the amount of cash that can be withdrawn. Most debit cards are <a href="/wiki/Plastic" title="Plastic">plastic</a>, but there are cards made of metal and, rarely, wood.<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup>  </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Types_of_debit_card_systems">Types of debit card systems</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=1" title="Edit section: Types of debit card systems"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <figure class="mw-halign-right" typeof="mw:File/Thumb"><a href="/wiki/File:CCardFront.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/7/76/CCardFront.svg/225px-CCardFront.svg.png" decoding="async" width="225" height="142" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/7/76/CCardFront.svg/338px-CCardFront.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/7/76/CCardFront.svg/450px-CCardFront.svg.png 2x" data-file-width="303" data-file-height="191" /></a><figcaption>An example of the front of a typical debit card: <div><ol><li>Issuing bank logo</li><li><a href="/wiki/EMV" title="EMV">EMV chip</a> (optional and may depend on the issuing institution or bank)</li><li><a href="/wiki/Hologram" class="mw-redirect" title="Hologram">Hologram</a> (this is located on the back on some cards, including most MasterCards)</li><li><a href="/wiki/Payment_card_number" title="Payment card number">Card number (PAN)</a> (may vary in length but mostly 16-digits with unique last 4 digits. However in cases such as Discover, Diner's Club, UnionPay & American Express it has a unique 15-digit card number)</li><li>Card brand logo</li><li>Expiration date</li><li>Cardholder's name</li></ol></div></figcaption></figure> <figure class="mw-halign-right" typeof="mw:File/Thumb"><a href="/wiki/File:CCardBack.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/f/fa/CCardBack.svg/225px-CCardBack.svg.png" decoding="async" width="225" height="142" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/f/fa/CCardBack.svg/338px-CCardBack.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/f/fa/CCardBack.svg/450px-CCardBack.svg.png 2x" data-file-width="303" data-file-height="191" /></a><figcaption>An example of the reverse side of a typical debit card: <div><ol><li><a href="/wiki/Magnetic_stripe#Financial_cards" class="mw-redirect" title="Magnetic stripe">Magnetic stripe</a></li><li><a href="/wiki/Signature" title="Signature">Signature</a> strip panel</li><li><a href="/wiki/Card_Security_Code" class="mw-redirect" title="Card Security Code">Card Security Code</a></li></ol></div></figcaption></figure> <p>There are currently three ways that debit card transactions are processed: <b><a href="/wiki/EFTPOS" title="EFTPOS">EFTPOS</a></b> (also known as <i>online debit</i> or <i>PIN debit</i>), <b>offline debit</b> (also known as <i>signature debit</i>), and the <b>Electronic Purse Card System</b>. One physical card can include the functions of all three types, so it can be used in a number of different circumstances. The five major debit card networks are <a href="/wiki/UnionPay" title="UnionPay">UnionPay</a>, <a href="/wiki/American_Express" title="American Express">American Express</a>, <a href="/wiki/Discover_Card" title="Discover Card">Discover</a>, <a href="/wiki/Mastercard" title="Mastercard">Mastercard</a>, and <a href="/wiki/Visa_Inc." title="Visa Inc.">Visa</a>. Other card networks are <a href="/wiki/STAR_(interbank_network)" title="STAR (interbank network)">STAR</a>, <a href="/wiki/JCB_(credit_card_company)" title="JCB (credit card company)">JCB</a>, <a href="/wiki/Pulse_(interbank_network)" title="Pulse (interbank network)">Pulse</a>, etc. There are many types of debit cards, each accepted only within a particular country or region; for example, <a href="/wiki/Switch_(debit_card)" title="Switch (debit card)">Switch</a> (since merged with Maestro) and <a href="/wiki/Solo_(debit_card)" title="Solo (debit card)">Solo</a> in the United Kingdom; <a href="/wiki/Interac" title="Interac">Interac</a> in Canada; <a href="/wiki/Carte_Bleue" title="Carte Bleue">Carte Bleue</a> in France; <a href="/wiki/Electronic_cash" title="Electronic cash">EC electronic cash</a> (formerly <a href="/wiki/Eurocheque" title="Eurocheque">Eurocheque</a>) in Germany; <a href="/wiki/Bancomat_(debit_card)" class="mw-redirect" title="Bancomat (debit card)">Bancomat/PagoBancomat</a> in Italy; <a href="/wiki/UnionPay" title="UnionPay">UnionPay</a> in China; <a href="/wiki/RuPay" title="RuPay">RuPay</a> in India; and EFTPOS cards in Australia and New Zealand. The need for <a href="/wiki/Single_Euro_Payments_Area" title="Single Euro Payments Area">cross-border compatibility</a> and the advent of the <a href="/wiki/Euro" title="Euro">euro</a> recently led<sup class="noprint Inline-Template" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Accuracy_dispute#Disputed_statement" title="Wikipedia:Accuracy dispute"><span title="The material near this tag is possibly inaccurate or nonfactual. (September 2021)">dubious</span></a> – <a href="/wiki/Talk:Debit_card#Dubious" title="Talk:Debit card">discuss</a></i>]</sup> to many of these card networks (such as Switzerland's "EC direkt", Austria's "Bankomatkasse", and <a href="/wiki/Switch_(debit_card)" title="Switch (debit card)">Switch</a> in the United Kingdom) being re-branded with the internationally recognized <a href="/wiki/Maestro_(debit_card)" title="Maestro (debit card)">Maestro</a> logo, which is part of the Mastercard brand. Some debit cards are dual-branded with the logo of the (former) national card as well as <a href="/wiki/Maestro_(debit_card)" title="Maestro (debit card)">Maestro</a> (for example, EC cards in Germany, Switch and Solo in the UK,<sup class="noprint Inline-Template" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Accuracy_dispute#Disputed_statement" title="Wikipedia:Accuracy dispute"><span title="The material near this tag is possibly inaccurate or nonfactual. (September 2021)">dubious</span></a> – <a href="/wiki/Talk:Debit_card#Dubious" title="Talk:Debit card">discuss</a></i>]</sup> Pinpas cards in the Netherlands, Bancontact cards in Belgium, etc.). The use of a debit card system allows operators to package their products more effectively while monitoring customer spending. </p> <div class="mw-heading mw-heading3"><h3 id="Online_debit_system">Online debit system</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=2" title="Edit section: Online debit system"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Online debit cards require electronic authorization of every transaction, and the debits are reflected in the user's account immediately.<sup id="cite_ref-XferAlmostImmed_1-1" class="reference"><a href="#cite_note-XferAlmostImmed-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-DeLuxLarger_2-1" class="reference"><a href="#cite_note-DeLuxLarger-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-DebLawNYT_4-0" class="reference"><a href="#cite_note-DebLawNYT-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> The transaction may be additionally secured with the <a href="/wiki/Personal_identification_number" title="Personal identification number">personal identification number</a> (PIN) <a href="/wiki/Authentication" title="Authentication">authentication</a> system; some online cards require such authentication for every transaction, essentially becoming enhanced <a href="/wiki/Automatic_teller_machine" class="mw-redirect" title="Automatic teller machine">automatic teller machine</a> <a href="/wiki/ATM_card" title="ATM card">(ATM) cards</a>. </p><p>One difficulty with using online debit cards is the necessity of an electronic authorization device at the <a href="/wiki/Point_of_sale" title="Point of sale">point of sale</a> (POS) and sometimes also a separate <a href="/wiki/PINpad" class="mw-redirect" title="PINpad">PINpad</a> to enter the PIN, although this is becoming commonplace for all card transactions in many countries. </p><p>Overall, the online debit card is generally viewed as superior to the offline debit card because of its more secure authentication system and live status, which alleviates problems with processing <a href="/wiki/Latency_(engineering)" title="Latency (engineering)">lag</a> on transactions that may only issue online debit cards. Some online debit systems are using the normal authentication processes of Internet banking to provide real-time online debit transactions. </p> <div class="mw-heading mw-heading3"><h3 id="Offline_debit_system">Offline debit system</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=3" title="Edit section: Offline debit system"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p><a rel="nofollow" class="external text" href="https://www.investopedia.com/terms/o/offlinedebitcard.asp">Offline debit cards</a> have the <a href="/wiki/Logo" title="Logo">logos</a> of major credit cards (for example, <a href="/wiki/Visa_Inc." title="Visa Inc.">Visa</a><sup id="cite_ref-:0_5-0" class="reference"><a href="#cite_note-:0-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> or <a href="/wiki/Mastercard" title="Mastercard">Mastercard</a>). These cards connect straight to a person's bank account, but there is a delay before the money is taken out. </p> <div class="mw-heading mw-heading3"><h3 id="Electronic_purse_card_system">Electronic purse card system</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=4" title="Edit section: Electronic purse card system"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p><a href="/wiki/Smart_card" title="Smart card">Smart-card</a>-based electronic purse systems (in which value is stored on the card chip, not in an externally recorded account, so that machines accepting the card need no network connectivity) have been in use throughout Europe since the mid-1990s, most notably in Germany (<a href="/wiki/Geldkarte" title="Geldkarte">Geldkarte</a>), Austria (<a href="/wiki/Quick_Wertkarte" title="Quick Wertkarte">Quick Wertkarte</a>), the Netherlands (<a href="/wiki/Chipknip" title="Chipknip">Chipknip</a>), Belgium (<a href="/wiki/Proton_(bank_card)" class="mw-redirect" title="Proton (bank card)">Proton</a>), Switzerland (CASH), and France (<a href="/wiki/Moneo" title="Moneo">Moneo</a>, which is usually carried by a debit card). In Austria and Germany, almost all current bank cards now include electronic purses, whereas the electronic purse has been recently phased out in the Netherlands. </p> <div class="mw-heading mw-heading3"><h3 id="Prepaid_debit_cards">Prepaid debit cards</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=5" title="Edit section: Prepaid debit cards"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading4"><h4 id="Nomenclature">Nomenclature</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=6" title="Edit section: Nomenclature"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Prepaid debit cards are reloadable and can also be called reloadable or rechargeable debit cards. </p> <div class="mw-heading mw-heading4"><h4 id="Users">Users</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=7" title="Edit section: Users"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The primary market for prepaid debit cards has historically been <a href="/wiki/Unbanked" title="Unbanked">unbanked</a> people;<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> that is, people who do not use banks or credit unions for their financial transactions.<sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading4"><h4 id="Advantages">Advantages</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=8" title="Edit section: Advantages"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Advantages of prepaid debit cards include being safer than carrying cash, worldwide acceptance, not having to worry about paying a credit card bill or going into debt, the opportunity for anyone over the age of 18 to apply and be accepted without checks on creditworthiness, and the option to deposit paychecks and government benefits directly onto the card for free.<sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> A newer advantage is the use of <a href="/wiki/EMV" title="EMV">EMV</a> technology and even contactless functionality, which had previously been limited to bank debit cards and credit cards. </p> <div class="mw-heading mw-heading4"><h4 id="Risks">Risks</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=9" title="Edit section: Risks"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li>If the card provider offers an insecure website for the cardholder to check the balance on the card, this could give an attacker access to the card information.</li> <li>If the user loses the card and has not somehow registered it, they will likely lose the money.</li> <li>If a provider has technical issues, the money might not be accessible when a user needs it. Some companies' payment systems do not appear to accept prepaid debit cards.<sup id="cite_ref-9" class="reference"><a href="#cite_note-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup></li></ul> <div class="mw-heading mw-heading4"><h4 id="Types">Types</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=10" title="Edit section: Types"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Prepaid cards vary by the issuer company: key and niche financial players (sometimes collaborations between businesses); purpose of usage (transit card, beauty gift cards, travel card, health savings card, business, insurance, etc.); and regions. </p> <div class="mw-heading mw-heading4"><h4 id="Governments">Governments</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=11" title="Edit section: Governments"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>As of 2013, several city governments (including <a href="/wiki/Oakland,_California" title="Oakland, California">Oakland, California</a>,<sup id="cite_ref-10" class="reference"><a href="#cite_note-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup> and <a href="/wiki/Chicago" title="Chicago">Chicago</a>, <a href="/wiki/Illinois" title="Illinois">Illinois</a><sup id="cite_ref-11" class="reference"><a href="#cite_note-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup>) are now offering prepaid debit cards, either as part of a municipal ID card (for people such as <a href="/wiki/Illegal_immigration" title="Illegal immigration">illegal immigrants</a> who are unable to obtain a state <a href="/wiki/Driver%27s_license" title="Driver's license">driver's license</a> or DMV ID card) in the case of Oakland or in conjunction with a prepaid transit pass (in Chicago). These cards have been heavily criticized<sup id="cite_ref-12" class="reference"><a href="#cite_note-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-13" class="reference"><a href="#cite_note-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup> for their higher-than-average fees, such as excessive flat fees added onto every purchase made with the card. </p><p>The U.S. federal government uses prepaid debit cards to make benefit payments to people who do not have bank accounts.<sup id="cite_ref-14" class="reference"><a href="#cite_note-14"><span class="cite-bracket">[</span>14<span class="cite-bracket">]</span></a></sup> </p><p>In July 2013, the <a href="/wiki/Association_of_Government_Accountants" title="Association of Government Accountants">Association of Government Accountants</a> released a report on government use of prepaid cards, concluding that such programs offer a number of advantages to governments and those who receive payments on a prepaid card rather than by check. The prepaid card programs benefit payments largely for the cost savings they offer and provide easier access to cash for recipients, as well as increased security. The report also advises that governments should consider replacing any remaining <a href="/wiki/Cheque" title="Cheque">cheque</a>-based payments with prepaid card programs in order to realize substantial savings for taxpayers as well as benefits for payees.<sup id="cite_ref-15" class="reference"><a href="#cite_note-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading4"><h4 id="Impact_of_government-mandated_fee-free_bank_accounts">Impact of government-mandated fee-free bank accounts</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=12" title="Edit section: Impact of government-mandated fee-free bank accounts"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In January 2016, the UK government introduced a requirement for banks to offer fee-free basic bank accounts for all, which had a significant impact on the prepaid industry, including the departure of a number of firms.<sup id="cite_ref-16" class="reference"><a href="#cite_note-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Consumer_protection">Consumer protection</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=13" title="Edit section: Consumer protection"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Consumer protections vary depending on the network used. Visa and MasterCard, for instance, prohibit minimum and maximum purchase sizes, surcharges, and arbitrary security procedures on the part of merchants. Merchants are usually charged higher transaction fees for credit transactions since debit network transactions are less likely to be fraudulent. This may lead them to "steer" customers toward debit transactions. Consumers disputing charges may find it easier to do so with a credit card since the money will not immediately leave their control. Fraudulent charges on a debit card can also cause problems with a <a href="/wiki/Checking_account" class="mw-redirect" title="Checking account">checking account</a> because the money is withdrawn immediately and may thus result in an overdraft or <a href="/wiki/Bounced_check" class="mw-redirect" title="Bounced check">bounced checks</a>. In some cases, debit card-issuing banks will promptly refund any disputed charges until the matter can be settled, and in some jurisdictions, the consumer's liability for unauthorized charges is the same for both debit and credit cards. </p><p>In 2010, <a href="/wiki/Bank_of_America" title="Bank of America">Bank of America</a> announced that "it was doing away with overdraft fees for debit card purchases."<sup id="cite_ref-NoMoreDebOCLfee_17-0" class="reference"><a href="#cite_note-NoMoreDebOCLfee-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup> </p><p>In some countries, such as India and Sweden, consumer protection is the same regardless of the network used. Some banks set minimum and maximum purchase sizes, mostly for online-only cards. However, this has nothing to do with the card networks but rather with the bank's judgment of the person's age and credit records. Any fees that the customers have to pay to the bank are the same regardless of whether the transaction is conducted as a credit or debit transaction, so there is no advantage for the customers to choose one transaction mode over another. Shops may add surcharges to the price of goods or services in accordance with laws allowing them to do so. Banks consider the purchases to have been made at the moment when the card was swiped, regardless of when the purchase settlement was made. Regardless of which transaction type was used, the purchase may result in an overdraft because the money is considered to have left the account at the moment of the card swipe. </p><p>According to Singapore's local financial and banking laws and regulations, all Singapore-issued credit and debit cards with Visa or MasterCard swipe magnet strips are disabled by default if used outside of Singapore. The whole idea is to prevent fraudulent activities and protect the card holder. If customers want to use card swipe magnet strips aboard and internationally, they will have to activate and enable international card usage. </p> <div class="mw-heading mw-heading2"><h2 id="Financial_access">Financial access</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=14" title="Edit section: Financial access"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Debit cards and <a href="/wiki/Secured_credit_card" class="mw-redirect" title="Secured credit card">secured credit cards</a> are popular among college students who have not yet established a credit history.<sup id="cite_ref-18" class="reference"><a href="#cite_note-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup> Debit cards may also be used by <a href="/wiki/Expatriate" title="Expatriate">expatriate</a> workers to send money home to their families holding an affiliated debit card. </p> <div class="mw-heading mw-heading2"><h2 id="Issues_with_deferred_posting_of_offline_debit">Issues with deferred posting of offline debit</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=15" title="Edit section: Issues with deferred posting of offline debit"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The consumer perceives a debit transaction as occurring in real time: the money is withdrawn from their account immediately after the authorization request from the merchant.<sup id="cite_ref-NoMoreDebOCLfee_17-1" class="reference"><a href="#cite_note-NoMoreDebOCLfee-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-19" class="reference"><a href="#cite_note-19"><span class="cite-bracket">[</span>19<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-DeLuxLarger_2-2" class="reference"><a href="#cite_note-DeLuxLarger-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup><sup class="noprint Inline-Template noprint noexcerpt Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:NOTRS" class="mw-redirect" title="Wikipedia:NOTRS"><span title="This claim needs references to better sources. (July 2022)">better source needed</span></a></i>]</sup> In many countries, this is correct for online debit purchases. However, when a purchase is made using the "credit" (offline debit) option, the transaction merely places an <a href="/wiki/Authorization_hold" title="Authorization hold">authorization hold</a> on the customer's account; funds are not actually withdrawn until the transaction is reconciled and hard-posted to the customer's account, usually a few days later. This is in contrast to a typical credit card transaction, in which, after a few days delay before the transaction is posted to the account, there is a further period of maybe a month before the consumer makes repayment. </p><p>Because of this, in the case of an error by the merchant or issuer, a debit transaction may cause more serious problems (for example, overdraft/money not accessible/overdrawn account) than a credit card transaction (for example, credit not accessible due to being over one's <a href="/wiki/Credit_limit" title="Credit limit">credit limit</a>). This is especially true in the United States, where <a href="/wiki/Check_fraud" class="mw-redirect" title="Check fraud">check fraud</a> is a crime in every state but exceeding one's credit limit is not.<sup id="cite_ref-CredUnCLI_20-0" class="reference"><a href="#cite_note-CredUnCLI-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Internet_purchases">Internet purchases</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=16" title="Edit section: Internet purchases"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Debit cards may also be used on the Internet, either with or without using a PIN. Internet transactions may be conducted in either online or offline mode. Shops accepting online-only cards are rare in some countries (such as Sweden), while they are common in other countries (such as the Netherlands). For a comparison, <a href="/wiki/PayPal" title="PayPal">PayPal</a> offers the customer to use an online-only Maestro card if the customer enters a Dutch address of residence, but not if the same customer enters a Swedish address of residence. </p><p>Internet purchases can be authenticated by the consumer entering their PIN if the merchant has enabled a secure online PIN pad, in which case the transaction is conducted in debit mode. Otherwise, transactions may be conducted in either credit or debit mode (which is sometimes, but not always, indicated on the receipt), and this has nothing to do with whether the transaction was conducted in online or offline mode, since both credit and debit transactions may be conducted in both modes. </p> <div class="mw-heading mw-heading2"><h2 id="Debit_cards_around_the_world">Debit cards around the world</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=17" title="Edit section: Debit cards around the world"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In some countries, banks tend to levy a small fee for each debit card transaction. In other countries (for example, New Zealand and the UK) the merchants bear all the costs and customers are not charged. There are many people who routinely use debit cards for all transactions, no matter how small. Some (small) retailers refuse to accept debit cards for small transactions, where paying the transaction fee would absorb the <a href="/wiki/Profit_margin" title="Profit margin">profit margin</a> on the sale, making the transaction uneconomic for the retailer. </p><p>Some businesses do not accept card payments at all, even in an era with declining use of cash. This still happens for a variety of reasons, <a href="/wiki/Tax_evasion" title="Tax evasion">tax evasion</a> by small business included. </p><p>In 2019, £35,000 million in tax revenue was lost in the United Kingdom due to cash-only payments. Many businesses such as, barber shops, fish & chip shops, Chinese takeaways, the black market, and even some building sites are known for cash-in-hand payments in the UK, meaning high amounts of money can be unaccounted for.<sup id="cite_ref-21" class="reference"><a href="#cite_note-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Angola">Angola</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=18" title="Edit section: Angola"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1236090951">.mw-parser-output .hatnote{font-style:italic}.mw-parser-output div.hatnote{padding-left:1.6em;margin-bottom:0.5em}.mw-parser-output .hatnote i{font-style:normal}.mw-parser-output .hatnote+link+.hatnote{margin-top:-0.5em}@media print{body.ns-0 .mw-parser-output .hatnote{display:none!important}}</style><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Multicaixa" title="Multicaixa">Multicaixa</a></div> <p>The banks in Angola issue by official regulation only one brand of debit cards: <a href="/wiki/Multicaixa" title="Multicaixa">Multicaixa</a>, which is also the brand name of the one and only network of ATMs and POS terminals. </p> <div class="mw-heading mw-heading3"><h3 id="Armenia">Armenia</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=19" title="Edit section: Armenia"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>ArCa (Armenian Card), a national system of debit (ArCa Debit and ArCa Classic) and credit (ArCa Gold, ArCa Business, ArCA Platinum, ArCa Affinity and ArCa Co-branded) cards popular in Armenia. Established in 2000 by 17 largest Armenian banks. </p> <div class="mw-heading mw-heading3"><h3 id="Australia">Australia</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=20" title="Edit section: Australia"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/EFTPOS#Australia" title="EFTPOS">EFTPOS § Australia</a></div> <p>Debit cards in <a href="/wiki/Australia" title="Australia">Australia</a> are called different names depending on the issuing bank: <a href="/wiki/Commonwealth_Bank" title="Commonwealth Bank">Commonwealth Bank of Australia</a>: Keycard; <a href="/wiki/Westpac" title="Westpac">Westpac Banking Corporation</a>: Handycard; <a href="/wiki/National_Australia_Bank" title="National Australia Bank">National Australia Bank</a>: FlexiCard; <a href="/wiki/ANZ_Bank" class="mw-redirect" title="ANZ Bank">ANZ Bank</a>: Access card; <a href="/wiki/Bendigo_Bank" class="mw-redirect" title="Bendigo Bank">Bendigo Bank</a>: Easy Money card. </p><p>A payment in Australia using a debit card can be processed by the local proprietary interbank network called <a href="/wiki/EFTPOS" title="EFTPOS">EFTPOS</a>, which is very popular and has been operating there since the 1980s, or it could be processed via an international <a href="/wiki/Card_scheme" title="Card scheme">Card scheme</a> network (ie Visa, Mastercard). Debit cards that were solely EFTPOS-enabled can only be used domestically within Australia and would not be accepted internationally due to the absence of other scheme networks. </p><p>EFTPOS cards can also be used to deposit and withdraw cash over the counter at <a href="/wiki/Australia_Post" title="Australia Post">Australia Post</a> outlets participating in Giro Post and withdrawals without purchase from certain major retailers, just as if the transaction was conducted at a bank branch, even if the bank branch is closed. Electronic transactions in Australia are generally processed via the <a href="/w/index.php?title=Telstra_Argent&action=edit&redlink=1" class="new" title="Telstra Argent (page does not exist)">Telstra Argent</a> and <a href="/w/index.php?title=Optus_Transact_Plus&action=edit&redlink=1" class="new" title="Optus Transact Plus (page does not exist)">Optus Transact Plus</a> network—which has recently superseded the old <a href="/w/index.php?title=Telstra_Transcend&action=edit&redlink=1" class="new" title="Telstra Transcend (page does not exist)">Transcend</a> network in the last few years. Most early keycards were only usable for EFTPOS and at ATM or bank branches, whilst the new debit card system works in the same way as a credit card, except it will only use funds in the specified bank account. This means that, among other advantages, the new system is suitable for electronic purchases without a delay of two to four days for bank-to-bank money transfers. </p><p>Australia operates both electronic credit card transaction authorization and traditional EFTPOS debit card authorization systems, the difference between the two being that EFTPOS transactions are authorized by a personal identification number (PIN) while credit card transactions can additionally be authorized using a <a href="/wiki/Contactless_payment" title="Contactless payment">contactless payment</a> mechanism (requiring a PIN for purchases over $200). If the user fails to enter the correct pin three times, the consequences range from the card being locked out for a minimum 24-hour period, a phone call or trip to the branch to reactivate with a new PIN, the card being cut up by the merchant, or in the case of an ATM, being kept inside the machine, both of which require a new card to be ordered. </p><p>Generally credit card transaction costs are borne by the merchant with no fee applied to the end user (although a direct consumer surcharge of 0.5–3% is not uncommon) while EFTPOS transactions cost the consumer an applicable withdrawal fee charged by their bank. </p><p>The introduction of Visa and MasterCard debit cards along with regulation in the settlement fees charged by the operators of both EFTPOS and credit cards by the Reserve Bank has seen a continuation in the increasing ubiquity of credit card use among Australians and a general decline in the profile of EFTPOS. However, the regulation of settlement fees also removed the ability of banks, who typically provide merchant services to retailers on behalf of Visa or MasterCard, from stopping those retailers charging extra fees to take payment by credit card instead of cash or EFTPOS. </p> <div class="mw-heading mw-heading3"><h3 id="Bahrain">Bahrain</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=21" title="Edit section: Bahrain"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In Bahrain debit cards are under <a href="/wiki/The_Benefit_Company" title="The Benefit Company">Benefit</a>, the interbanking network for Bahrain. Benefit is also accepted in other countries though, mainly GCC, similar to the <a href="/wiki/Saudi_Payments_Network" title="Saudi Payments Network">Saudi Payments Network</a> and the Kuwaiti <a href="/w/index.php?title=KNET_(interbank_network)&action=edit&redlink=1" class="new" title="KNET (interbank network) (page does not exist)">KNET</a>. </p> <div class="mw-heading mw-heading3"><h3 id="Bangladesh">Bangladesh</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=22" title="Edit section: Bangladesh"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Bangladesh launched its first domestic card scheme, "Taka Pay" on 1 November 2023. Until now banks were dependent on international card schemes such as <a href="/wiki/Visa_Inc." title="Visa Inc.">Visa</a>, <a href="/wiki/Mastercard" title="Mastercard">Mastercard</a>, <a href="/wiki/UnionPay" title="UnionPay">UnionPay</a> etc. From the launching day 3 banks are issuing "Taka Pay" card. Those banks are: <a href="/wiki/Sonali_Bank" title="Sonali Bank">Sonali Bank PLC</a>, <a href="/wiki/BRAC_Bank_PLC" class="mw-redirect" title="BRAC Bank PLC">BRAC Bank PLC</a> and <a href="/wiki/The_City_Bank" class="mw-redirect" title="The City Bank">The City Bank Limited</a>. 5 banks (<a href="/wiki/Dutch-Bangla_Bank" title="Dutch-Bangla Bank">Dutch Bangla Bank Limited</a>, <a href="/wiki/Eastern_Bank_PLC._(Bangladesh)" class="mw-redirect" title="Eastern Bank PLC. (Bangladesh)">Estern Bank PLC</a>, <a href="/wiki/Islami_Bank_Bangladesh_PLC" class="mw-redirect" title="Islami Bank Bangladesh PLC">Islami Bank Bangladesh PLC</a>, <a href="/wiki/Mutual_Trust_Bank_Limited" class="mw-redirect" title="Mutual Trust Bank Limited">Mutual Trust Bank Limited</a> and <a href="/wiki/United_Commercial_Bank_PLC" title="United Commercial Bank PLC">United Commercial Bank PLC</a>) have joined the scheme and will start issuing cards soon. <a href="/wiki/Bangladesh_Bank" title="Bangladesh Bank">Bangladesh Bank</a> is working to bring all <a href="/wiki/Bank" title="Bank">Bank</a>, Mobile financial service provider and other financial institutions into the scheme. </p> <div class="mw-heading mw-heading3"><h3 id="Belgium">Belgium</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=23" title="Edit section: Belgium"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In Belgium, debit cards are widely accepted in most businesses, as well as in most hotels and restaurants. Smaller restaurants or small retailers often accept either debit cards or <a href="/wiki/Payconiq" title="Payconiq">Payconiq</a>, but generally not <a href="/wiki/Credit_card" title="Credit card">credit cards</a>. All Belgian banks provide debit cards when you open a bank account. Usually, it is free to use debit cards on national and EU ATMs even if they aren't owned by the issuing bank. Since 2019, a few banks charge a 50ct cost when using ATMs who are not owned by the issuing bank. The debit cards in Belgium are branded with the logo of the national <a href="/wiki/Bancontact" class="mw-redirect" title="Bancontact">Bancontact</a> system and also with an international debit system, Maestro (for the moment there aren't any banks who issue the <a href="/wiki/V-Pay" class="mw-redirect" title="V-Pay">V-Pay</a> or Visa Electron cards even if they are widely accepted), the Maestro system is used mostly for payments in other countries, but a few national card payment services use the Maestro system. Some banks also offer Visa and MasterCard debit cards but these are mostly online banks. </p> <div class="mw-heading mw-heading3"><h3 id="Brazil">Brazil</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=24" title="Edit section: Brazil"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In Brazil debit cards are called <i>cartão de débito</i> (singular) or cartões de débito (plural) and became popular in 2008. In 2013, the 100 millionth Brazilian debit card was issued.<sup id="cite_ref-22" class="reference"><a href="#cite_note-22"><span class="cite-bracket">[</span>22<span class="cite-bracket">]</span></a></sup> Debit cards replaced <a href="/wiki/Cheque" title="Cheque">cheques</a>, common until the first decade of the 2000s. </p><p>Today, the majority of the financial transactions (like buying food at a supermarket), are made using debit cards (and this system is quickly replacing cash payments in Brazil). Nowadays, the majority of debit card payments are processed using a card + PIN combination, and almost every card comes with a NFC chip to make transactions. </p><p>The major debit card flags in Brazil are <a href="/wiki/Visa_Inc." title="Visa Inc.">Visa</a> (with <a href="/wiki/Visa_Electron" title="Visa Electron">Electron cards</a>), <a href="/wiki/Mastercard" title="Mastercard">Mastercard</a> (with <a href="/wiki/Maestro_(debit_card)" title="Maestro (debit card)">Maestro cards</a>), and <a href="/wiki/Elo_(card_association)" title="Elo (card association)">Elo</a>. </p><p>The tap to pay technology has been quite popular in Brazil, you won't need to insert your card with a smart chip and put your password, you just need to approximate the card at the credit card machine, it works for debit and credit cards. Some virtual wallets like <a href="/wiki/Samsung_Pay" title="Samsung Pay">Samsung Pay</a>, <a href="/wiki/Google_Wallet" title="Google Wallet">Google Pay</a> and <a href="/wiki/Apple_Pay" title="Apple Pay">Apple Pay</a> can be used on time of purchase, you just need to approximate your mobile phone or watch at the credit card machine. Generally the amount you are allowed to pay without a pin is quite low for security, but is really useful for daily things that won't cost too much. </p><p>Something that appeared recently is a virtual card by some banks (such as <a href="/wiki/Ita%C3%BA_Unibanco" title="Itaú Unibanco">Itaú</a>, <a href="/wiki/Banco_Bradesco" title="Banco Bradesco">Bradesco</a>, <a href="/wiki/Mercado_Pago" class="mw-redirect" title="Mercado Pago">Mercado Pago</a> and <a href="/wiki/Nubank" title="Nubank">Nubank</a>) on your internet banking platform. They give you a card number, expiration date and the CVV code to be used online. They also have a temporary virtual card number that works just in 48 hours, according to <a href="/wiki/Ita%C3%BA_Unibanco" title="Itaú Unibanco">Itaú</a>, you can use it to buy on unknown websites for safety reasons, because in the case of a data leak, the credit card number that was leaked wouldn't work. </p> <div class="mw-heading mw-heading3"><h3 id="Benin">Benin</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=25" title="Edit section: Benin"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Economic_Community_of_West_African_States#West_African_Economic_and_Monetary_Union" class="mw-redirect" title="Economic Community of West African States">Economic Community of West African States § West African Economic and Monetary Union</a></div> <div class="mw-heading mw-heading3"><h3 id="Bulgaria">Bulgaria</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=26" title="Edit section: Bulgaria"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In Bulgaria, debit cards are accepted in almost all stores and shops, as well as in most of the hotels and restaurants in the bigger cities. Smaller restaurants or small shops often accept cash only. All Bulgarian banks can provide debit cards when you open a bank account, for maintenance costs. The most common cards in Bulgaria are contactless (and Chip&PIN or Magnetic stripe and PIN) with the brands of Debit Mastercard and Visa Debit (the most common were Maestro and Visa Electron some years ago).<sup id="cite_ref-23" class="reference"><a href="#cite_note-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> All POS terminals and ATMs accept Visa, Visa Electron, Visa Debit, VPay, Mastercard, Debit Mastercard, Maestro and Bcard.<sup id="cite_ref-24" class="reference"><a href="#cite_note-24"><span class="cite-bracket">[</span>24<span class="cite-bracket">]</span></a></sup> Also some POS terminals and ATMs accept Discover, American Express, Diners Club, JCB and UnionPay.<sup id="cite_ref-25" class="reference"><a href="#cite_note-25"><span class="cite-bracket">[</span>25<span class="cite-bracket">]</span></a></sup> Almost all POS terminals in Bulgaria support contactless payments. Credit cards are also common in Bulgaria. Paying with smartphones/smartwatches at POS terminals is also getting common.<sup id="cite_ref-26" class="reference"><a href="#cite_note-26"><span class="cite-bracket">[</span>26<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Burkina_Faso">Burkina Faso</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=27" title="Edit section: Burkina Faso"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Economic_Community_of_West_African_States#West_African_Economic_and_Monetary_Union" class="mw-redirect" title="Economic Community of West African States">Economic Community of West African States § West African Economic and Monetary Union</a></div> <div class="mw-heading mw-heading3"><h3 id="Canada">Canada</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=28" title="Edit section: Canada"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Interac" title="Interac">Interac</a></div> <p><a href="/wiki/Canada" title="Canada">Canada</a> has a nationwide EFTPOS system, called <a href="/wiki/Interac" title="Interac">Interac Direct Payment</a> (IDP). Since being introduced in 1994, IDP has become the most popular payment method in the country. Previously, debit cards have been in use for <a href="/wiki/Automated_bank_machine" class="mw-redirect" title="Automated bank machine">ABM</a> usage since the late 1970s, with <a href="/wiki/Credit_union" title="Credit union">credit unions</a> in Saskatchewan and Alberta introducing the first card-based, networked ATMs beginning in June 1977. Debit cards, which could be used anywhere a credit card was accepted, were first introduced in Canada by Saskatchewan Credit Unions in 1982.<sup id="cite_ref-:0_5-1" class="reference"><a href="#cite_note-:0-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> In the early 1990s, pilot projects were conducted among Canada's six largest banks to gauge security, accuracy and feasibility of the Interac system. Slowly in the later half of the 1990s, it was estimated that approximately 50% of retailers offered Interac as a source of payment. Retailers, many small transaction retailers like coffee shops, resisted offering IDP to promote faster service. In 2009, 99% of retailers offer IDP as an alternative payment form. </p><p>In Canada, the debit card is sometimes referred to as a "bank card". It is a client card issued by a bank that provides access to funds and other bank account transactions, such as transferring funds, checking balances, paying bills, etc., as well as point of purchase transactions connected on the <a href="/wiki/Interac" title="Interac">Interac</a> network. Since its national launch in 1994, Interac Direct Payment has become so widespread that, as of 2001, more transactions in Canada were completed using debit cards than cash.<sup id="cite_ref-27" class="reference"><a href="#cite_note-27"><span class="cite-bracket">[</span>27<span class="cite-bracket">]</span></a></sup> This popularity may be partially attributable to two main factors: the convenience of not having to carry cash, and the availability of automated bank machines (ABMs) and direct payment merchants on the network. Debit cards may be considered similar to <a href="/wiki/Stored-value_card" title="Stored-value card">stored-value cards</a> in that they represent a finite amount of money owed by the card issuer to the holder. They are different in that stored-value cards are generally anonymous and are only usable at the issuer, while debit cards are generally associated with an individual's bank account and can be used anywhere on the <a href="/wiki/Interac" title="Interac">Interac</a> network. </p><p>In Canada, the bank cards can be used at POS and ATMs. Interac Online has also been introduced in recent years allowing clients of most major Canadian banks to use their debit cards for <a href="/wiki/Online_payment" class="mw-redirect" title="Online payment">online payment</a> with certain merchants as well. Certain financial institutions also allow their clients to use their debit cards in the United States on the <a href="/wiki/NYCE" title="NYCE">NYCE network</a>.<sup id="cite_ref-28" class="reference"><a href="#cite_note-28"><span class="cite-bracket">[</span>28<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-29" class="reference"><a href="#cite_note-29"><span class="cite-bracket">[</span>29<span class="cite-bracket">]</span></a></sup> Several Canadian financial institutions that primarily offer VISA credit cards, including <a href="/wiki/Canadian_Imperial_Bank_of_Commerce" title="Canadian Imperial Bank of Commerce">CIBC</a>, <a href="/wiki/Royal_Bank_of_Canada" title="Royal Bank of Canada">RBC</a>, <a href="/wiki/Scotiabank" title="Scotiabank">Scotiabank</a>, and <a href="/wiki/TD_Canada_Trust" title="TD Canada Trust">TD</a>, also issue a <a href="/wiki/Visa_Debit" title="Visa Debit">Visa Debit</a> card in addition to their Interac debit card, either through dual-network co-branded cards (CIBC, Scotia, and TD),<sup id="cite_ref-td-debit_30-0" class="reference"><a href="#cite_note-td-debit-30"><span class="cite-bracket">[</span>30<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-cibc-debit_31-0" class="reference"><a href="#cite_note-cibc-debit-31"><span class="cite-bracket">[</span>31<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-scotia-debit_32-0" class="reference"><a href="#cite_note-scotia-debit-32"><span class="cite-bracket">[</span>32<span class="cite-bracket">]</span></a></sup> or as a "virtual" card used alongside the customer's existing Interac debit card (RBC).<sup id="cite_ref-rbc-debit_33-0" class="reference"><a href="#cite_note-rbc-debit-33"><span class="cite-bracket">[</span>33<span class="cite-bracket">]</span></a></sup> This allows for customer to use <a href="/wiki/Interlink_(interbank_network)" class="mw-redirect" title="Interlink (interbank network)">Interlink</a> for online, over-the-phone, and international transactions and <a href="/wiki/Plus_(interbank_network)" title="Plus (interbank network)">Plus</a> for international ATMs, since Interac isn't well supported in these situations. </p> <div class="mw-heading mw-heading4"><h4 id="Consumer_protection_in_Canada">Consumer protection in Canada</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=29" title="Edit section: Consumer protection in Canada"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Consumers in Canada are protected under a voluntary code entered into by all providers of debit card services, The Canadian Code of Practice for Consumer Debit Card Services<sup id="cite_ref-34" class="reference"><a href="#cite_note-34"><span class="cite-bracket">[</span>34<span class="cite-bracket">]</span></a></sup> (sometimes called the "Debit Card Code"). Adherence to the Code is overseen by the <a href="/wiki/Financial_Consumer_Agency_of_Canada" title="Financial Consumer Agency of Canada">Financial Consumer Agency of Canada</a> (FCAC), which investigates consumer complaints. </p><p>According to the FCAC website, revisions to the code that came into effect in 2005 put the onus on the financial institution to prove that a consumer was responsible for a disputed transaction, and also place a limit on the number of days that an account can be frozen during the financial institution's investigation of a transaction. </p> <div class="mw-heading mw-heading3"><h3 id="Chile">Chile</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=30" title="Edit section: Chile"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p><a href="/wiki/Chile" title="Chile">Chile</a> has an EFTPOS system called <i>Redcompra</i> (Purchase Network) which is currently used in at least 23,000 establishments throughout the country. Goods may be purchased using this system at most supermarkets, retail stores, pubs and restaurants in major urban centers. Chilean banks issue Maestro, Visa Electron and Visa Debit cards. </p> <div class="mw-heading mw-heading3"><h3 id="Colombia">Colombia</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=31" title="Edit section: Colombia"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p><a href="/wiki/Colombia" title="Colombia">Colombia</a> has a system called Redeban-Multicolor and Credibanco Visa which are currently used in at least 23,000 establishments throughout the country. Goods may be purchased using this system at most supermarkets, retail stores, pubs and restaurants in major urban centers. Colombian debit cards are Maestro (pin), Visa Electron (pin), Visa Debit (as credit) and MasterCard-Debit (as credit). </p> <div class="mw-heading mw-heading3"><h3 id="Côte_d'Ivoire"><span id="C.C3.B4te_d.27Ivoire"></span>Côte d'Ivoire</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=32" title="Edit section: Côte d'Ivoire"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Economic_Community_of_West_African_States#West_African_Economic_and_Monetary_Union" class="mw-redirect" title="Economic Community of West African States">Economic Community of West African States § West African Economic and Monetary Union</a></div> <div class="mw-heading mw-heading3"><h3 id="Denmark">Denmark</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=33" title="Edit section: Denmark"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The Danish debit card <a href="/wiki/Dankort" title="Dankort">Dankort</a> is ubiquitous in <a href="/wiki/Denmark" title="Denmark">Denmark</a>. It was introduced on 1 September 1983, and despite the initial transactions being paper-based, the Dankort quickly won widespread acceptance. By 1985 the first <a href="/wiki/EFTPOS_terminal" class="mw-redirect" title="EFTPOS terminal">EFTPOS terminals</a> were introduced, and 1985 was also the year when the number of Dankort transactions first exceeded 1 million.<sup id="cite_ref-dankort25th_35-0" class="reference"><a href="#cite_note-dankort25th-35"><span class="cite-bracket">[</span>35<span class="cite-bracket">]</span></a></sup> Today Dankort is primarily issued as a Multicard combining the national Dankort with the more internationally recognized Visa (denoted simply as a "Visa/Dankort" card). In September 2008, 4 million cards had been issued, of which three million cards were Visa/Dankort cards. It is also possible to get a <a href="/wiki/Visa_Electron" title="Visa Electron">Visa Electron debit card</a> and MasterCard.<sup class="noprint Inline-Template" style="margin-left:0.1em; white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Please_clarify" title="Wikipedia:Please clarify"><span title="In combination with a Dankort, or separately? (March 2016)">clarification needed</span></a></i>]</sup> </p> <ul><li>In 2007, <a href="https://da.wikipedia.org/wiki/PBS" class="extiw" title="da:PBS">PBS</a> (now called <a href="/w/index.php?title=Nets_Group&action=edit&redlink=1" class="new" title="Nets Group (page does not exist)">Nets</a>), the Danish operator of the Dankort system, processed a total of 737 million Dankort transactions.<sup id="cite_ref-pbs-aarsrapport_36-0" class="reference"><a href="#cite_note-pbs-aarsrapport-36"><span class="cite-bracket">[</span>36<span class="cite-bracket">]</span></a></sup> Of these, 4.5 million were processed on just a single day, 21 December. This remains the current record.<sup class="noprint Inline-Template" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Manual_of_Style/Dates_and_numbers#Chronological_items" title="Wikipedia:Manual of Style/Dates and numbers"><span title="The time period mentioned near this tag is ambiguous. (March 2016)">as of?</span></a></i>]</sup></li> <li>At the end of 2007<sup class="plainlinks noexcerpt noprint asof-tag update" style="display:none;"><a class="external text" href="https://en.wikipedia.org/w/index.php?title=Debit_card&action=edit">[update]</a></sup>, there were 3.9 million Dankort cards in existence.<sup id="cite_ref-pbs-aarsrapport_36-1" class="reference"><a href="#cite_note-pbs-aarsrapport-36"><span class="cite-bracket">[</span>36<span class="cite-bracket">]</span></a></sup></li> <li>As of 2012<sup class="plainlinks noexcerpt noprint asof-tag update" style="display:none;"><a class="external text" href="https://en.wikipedia.org/w/index.php?title=Debit_card&action=edit">[update]</a></sup>, more than 80,000 Danish shops had a Dankort terminal, and another 11,000 internet shops also accepted the Dankort.<sup id="cite_ref-pbs-aarsrapport_36-2" class="reference"><a href="#cite_note-pbs-aarsrapport-36"><span class="cite-bracket">[</span>36<span class="cite-bracket">]</span></a></sup></li></ul> <div class="mw-heading mw-heading3"><h3 id="Finland">Finland</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=34" title="Edit section: Finland"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Most daily customer transactions are carried out with debit cards or online giro/electronic bill payment, although credit cards and cash are accepted. Checks are no longer used. Prior to European standardization, Finland had a national standard (<i>pankkikortti</i> = "bank card"). Physically, a <i>pankkikortti</i> was the same as an international credit card, and the same card imprinters and slips were used for <i>pankkikortti</i> and credit cards, but the cards were not accepted abroad. This has now been replaced by the Visa and MasterCard debit card systems, and Finnish cards can be used elsewhere in the European Union and the world. </p><p>An electronic purse system, with a chipped card, was introduced, but did not gain much traction. </p><p>Signing a payment offline entails incurring debt, thus offline payment is not available to minors. However, online transactions are permitted, and since almost all stores have electronic terminals, today also minors can use debit cards. Previously, only cash withdrawal from ATMs was available to minors (<i>automaattikortti</i> (ATM card) or <a href="/wiki/Visa_Electron" title="Visa Electron">Visa Electron</a>). </p> <div class="mw-heading mw-heading3"><h3 id="France">France</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=35" title="Edit section: France"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Carte Bancaire (CB), the national payment scheme, in 2008, had 57.5 million cards carrying its logo and 7.76 billion transactions (POS and ATM) were processed through the e-rsb network (135 transactions per card mostly debit or deferred debit). In 2019, Carte Bancaire had 71.1 million cards carrying its logo and 13.76 billion transactions (POS and ATM) were processed through its network.<sup id="cite_ref-37" class="reference"><a href="#cite_note-37"><span class="cite-bracket">[</span>37<span class="cite-bracket">]</span></a></sup> Most CB cards are debit cards, either debit or deferred debit. Less than 10% of CB cards were credit cards. </p><p>Banks in France usually charge annual fees for debit cards (despite card payments being very cost efficient for the banks), yet they do not charge personal customers for chequebooks or processing checks (despite cheques being very costly for the banks). This imbalance dates from the unilateral introduction in France of <a href="/wiki/Chip_and_PIN" class="mw-redirect" title="Chip and PIN">Chip and PIN</a> debit cards in the early 1990s, when the cost of this technology was much higher than it is now. Credit cards of the type found in the United Kingdom and United States are unusual in France and the closest equivalent is the deferred debit card, which operates like a normal debit card, except that all purchase transactions are postponed until the end of the month, thereby giving the customer between 1 and 31 days of "interest-free" credit. Banks can charge more for a deferred debit card. </p><p>Most France debit cards are branded with the CB logo, which assures acceptance throughout France. Most banks now issue Visa or <a href="/wiki/MasterCard_(credit_card)" class="mw-redirect" title="MasterCard (credit card)">MasterCard</a> co-branded cards, so that the card is accepted on both the CB and the Visa or Mastercard networks. </p><p>In France payment cards are commonly called <a href="/wiki/Carte_Bleue" title="Carte Bleue">Carte Bleue</a> ("blue card") regardless of their actual brand. Carte Bleue was a card brand acquired in 2010 by Visa which is not used anymore. Until its purchase the main characteristic of Carte Bleue was to benefit from its alliance with Visa which allowed the use of the cards on both networks. </p><p>Many smaller merchants in France refuse to accept debit cards for transactions under a certain amount because of the minimum fee charged by merchants' banks per transaction. But more and more merchants accept debit cards for small amounts, due to the increased use of debit cards. Merchants in France do not differentiate between debit and credit cards, and so both have equal acceptance. It is legal in France to set a minimum amount to transactions, but the merchants must display it clearly. </p><p>In January 2016, 57.2% of all the debit cards in France also had a <a href="/wiki/Contactless_payment" title="Contactless payment">contactless payment</a> chip.<sup id="cite_ref-38" class="reference"><a href="#cite_note-38"><span class="cite-bracket">[</span>38<span class="cite-bracket">]</span></a></sup> The maximum amount per transaction was originally set to €20 and the maximum amount of all contactless payments per day is between €50-100 depending on the bank. The per-transaction limit increased to €30 in October 2017.<sup id="cite_ref-39" class="reference"><a href="#cite_note-39"><span class="cite-bracket">[</span>39<span class="cite-bracket">]</span></a></sup> Due to the <a href="/wiki/COVID-19_pandemic" title="COVID-19 pandemic">COVID-19 pandemic</a>, the per-transaction limit increased to €50 in May 2020 to comply with demands from the French government<sup id="cite_ref-40" class="reference"><a href="#cite_note-40"><span class="cite-bracket">[</span>40<span class="cite-bracket">]</span></a></sup> and the <a href="/wiki/European_Banking_Authority" title="European Banking Authority">European Banking Authority</a>. </p> <div class="mw-heading mw-heading4"><h4 id="Liability_and_e-cards">Liability and e-cards</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=36" title="Edit section: Liability and e-cards"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>According to French law,<sup id="cite_ref-41" class="reference"><a href="#cite_note-41"><span class="cite-bracket">[</span>41<span class="cite-bracket">]</span></a></sup> banks are liable for any transaction made with a copy of the original card and for any transaction made without a card (on the phone or on the Internet), so banks have to pay back any fraudulent transaction to the card holder if the previous criteria are met. Fighting card fraud is therefore more interesting for banks. As a consequence, French banks websites usually propose an "e-card" service ("electronic (bank) card"), where a new <a href="/wiki/Virtual_Card" class="mw-redirect" title="Virtual Card">virtual card</a> is created and linked to a physical card. Such virtual card can be used only once and for the maximum amount given by the card holder. If the virtual card number is intercepted or used to try to get a higher amount than expected, the transaction is blocked. </p> <div class="mw-heading mw-heading3"><h3 id="Germany">Germany</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=37" title="Edit section: Germany"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Germany has a dedicated debit card payment system called <a href="/wiki/Girocard" title="Girocard">girocard</a> which is usually co-branded with <a href="/wiki/V_Pay" title="V Pay">V Pay</a> or <a href="/wiki/Maestro_(debit_card)" title="Maestro (debit card)">Maestro</a> depending on the issuing bank. In recent years both Visa Debit and Mastercard Debit cards are increasingly more common as well. </p><p>Historically, facilities already existed before EFTPOS became popular with the <a href="/wiki/Eurocheque" title="Eurocheque">Eurocheque</a> card, an authorization system initially developed for paper <a href="/wiki/Cheque" title="Cheque">checks</a> where, in addition to signing the actual check, customers also needed to show the card alongside the check as a security measure. Those cards could also be used at ATMs and for card-based <a href="/wiki/Electronic_funds_transfer" title="Electronic funds transfer">electronic funds transfer</a> with PIN entry. These are now the only functions of such cards: the Eurocheque system (along with the brand) was abandoned in 2002 during the transition from the <a href="/wiki/Deutsche_Mark" title="Deutsche Mark">Deutsche Mark</a> to the <a href="/wiki/Euro" title="Euro">euro</a>. As of 2005, most stores and petrol outlets have EFTPOS facilities. Processing fees are paid by the businesses, which leads to some business owners refusing debit card payments for sales totalling less than a certain amount, usually 5 or 10 euro. </p><p>To avoid the processing fees, many businesses resorted to using <a href="/wiki/Direct_debit" title="Direct debit">direct debit</a>, which is then called <i>electronic</i> direct debit (<a href="/wiki/German_language" title="German language">German</a>: <i lang="de">Elektronisches <a href="https://de.wikipedia.org/wiki/Lastschriftverfahren" class="extiw" title="de:Lastschriftverfahren">Lastschriftverfahren</a></i>, abbr. <i>ELV</i>). The point-of-sale terminal reads the bank sort code and account number from the card but instead of handling the transaction through the Girocard network it simply prints a form, which the customer signs to authorise the debit note. However, this method also avoids any verification or payment guarantee provided by the network. Further, customers can return debit notes by notifying their bank without giving a reason. This means that the beneficiary bears the risk of fraud and illiquidity. Some business mitigate the risk by consulting a proprietary <a href="/wiki/Blacklist" class="mw-redirect" title="Blacklist">blacklist</a> or by switching to Girocard for higher transaction amounts. </p><p>Around 2000, an Electronic Purse Card was introduced, dubbed <a href="/wiki/Geldkarte" title="Geldkarte">Geldkarte</a> ("money card"). It makes use of the <a href="/wiki/Smart_card" title="Smart card">smart card</a> chip on the front of the standard issue debit card. This chip can be charged with up to 200 euro, and is advertised as a means of making medium to very small payments, even down to several euros or cent payments. The key factor here is that no processing fees are deducted by banks. It did not gain the popularity its inventors had hoped for. As of 2020, several partners pulled out of accepting the Geldkarte which is no longer issued and set to be retired altogether in the near future. </p> <div class="mw-heading mw-heading3"><h3 id="Guinée_Bissau"><span id="Guin.C3.A9e_Bissau"></span>Guinée Bissau</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=38" title="Edit section: Guinée Bissau"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>See "<a href="#UEMOA">UEMOA</a>". </p> <div class="mw-heading mw-heading3"><h3 id="Greece">Greece</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=39" title="Edit section: Greece"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Debit card usage surged in Greece after the introduction of <a href="/wiki/Capital_controls_in_Greece" title="Capital controls in Greece">Capital Controls</a> in 2015.<sup id="cite_ref-42" class="reference"><a href="#cite_note-42"><span class="cite-bracket">[</span>42<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-43" class="reference"><a href="#cite_note-43"><span class="cite-bracket">[</span>43<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Hong_Kong">Hong Kong</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=40" title="Edit section: Hong Kong"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Most bank cards in Hong Kong for saving / current accounts are equipped with <a href="/wiki/Electronic_Payment_Services" title="Electronic Payment Services">EPS</a> and <a href="/wiki/UnionPay" title="UnionPay">UnionPay</a>, which function as a debit card and can be used at merchants for purchases, where funds are withdrawn from the associated account immediately. </p><p>EPS is a Hong Kong only system and is widely accepted in merchants and government departments. However, as UnionPay cards are accepted more widely overseas, consumers can use the UnionPay functionality of the bank card to make purchases directly from the bank account. </p><p>Visa debit cards are uncommon in Hong Kong. The British banking firm <a href="/wiki/HSBC" title="HSBC">HSBC</a>'s subsidiary <a href="/wiki/Hang_Seng_Bank" title="Hang Seng Bank">Hang Seng Bank</a>'s Enjoy card and American firm <a href="/wiki/Citibank" title="Citibank">Citibank</a>'s ATM Visa are two of the Visa debit cards available in Hong Kong. </p><p>Debit cards usage in Hong Kong is relatively low, as the <a href="/wiki/Credit_card" title="Credit card">credit card</a> penetration rate is high in Hong Kong. In Q1 2017, there are near 20 million credit cards in circulation, about 3 times the adult population. There are 145,800 thousand transaction made by credit cards but only 34,001 thousand transactions made by debit cards.<sup id="cite_ref-44" class="reference"><a href="#cite_note-44"><span class="cite-bracket">[</span>44<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Hungary">Hungary</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=41" title="Edit section: Hungary"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In <a href="/wiki/Hungary" title="Hungary">Hungary</a> debit cards are far more common and popular than credit cards. Many Hungarians even refer to their debit card ("betéti kártya") mistakenly using the word for credit card ("hitelkártya"). The most commonly used phrase, however, is simply bank card ("bankkártya").<sup id="cite_ref-45" class="reference"><a href="#cite_note-45"><span class="cite-bracket">[</span>45<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="India">India</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=42" title="Edit section: India"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <figure class="mw-default-size mw-halign-right" typeof="mw:File/Thumb"><a href="/wiki/File:A_typical_easypaisa_unionpay_debit_card.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/a/a6/A_typical_easypaisa_unionpay_debit_card.jpg/220px-A_typical_easypaisa_unionpay_debit_card.jpg" decoding="async" width="220" height="124" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/a/a6/A_typical_easypaisa_unionpay_debit_card.jpg/330px-A_typical_easypaisa_unionpay_debit_card.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/a/a6/A_typical_easypaisa_unionpay_debit_card.jpg/440px-A_typical_easypaisa_unionpay_debit_card.jpg 2x" data-file-width="2604" data-file-height="1465" /></a><figcaption>The picture shows an EasyPaisa (Pakistan) debit card powered by UnionPay. The card number and name are usually at the front.</figcaption></figure> <p>After the demonetization by current government in the December 2016, there has been a surge in cashless transactions, so nowadays you could find card acceptance in most places. The debit card was mostly used for <a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">ATM</a> transactions. RBI has announced that fees are not justified so transactions have no processing fees.<sup id="cite_ref-46" class="reference"><a href="#cite_note-46"><span class="cite-bracket">[</span>46<span class="cite-bracket">]</span></a></sup> Almost half of Indian debit and credit card users use Rupay card. Some Indian banks issue Visa debit cards, though some banks (like <a href="/wiki/State_Bank_of_India" title="State Bank of India">SBI</a> and <a href="/wiki/Citibank_India" title="Citibank India">Citibank India</a>) also issue <a href="/wiki/Maestro_(debit_card)" title="Maestro (debit card)">Maestro</a> cards. The debit card transactions are routed through Rupay (mostly), Visa or MasterCard networks in India and overseas rather than directly via the issuing bank. </p><p>The <a href="/wiki/National_Payments_Corporation_of_India" title="National Payments Corporation of India">National Payments Corporation of India</a> (NPCI) has launched a new card called <a href="/wiki/RuPay" title="RuPay">RuPay</a>.<sup id="cite_ref-47" class="reference"><a href="#cite_note-47"><span class="cite-bracket">[</span>47<span class="cite-bracket">]</span></a></sup> It is similar to Singapore's <a href="/wiki/Network_for_Electronic_Transfers" class="mw-redirect" title="Network for Electronic Transfers">NETS</a> and <a href="/wiki/PRC" class="mw-redirect" title="PRC">Mainland China's</a> <a href="/wiki/UnionPay" title="UnionPay">UnionPay</a>.<sup id="cite_ref-48" class="reference"><a href="#cite_note-48"><span class="cite-bracket">[</span>48<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-49" class="reference"><a href="#cite_note-49"><span class="cite-bracket">[</span>49<span class="cite-bracket">]</span></a></sup> </p><p>As the <a href="/wiki/Coronavirus_disease_2019" class="mw-redirect" title="Coronavirus disease 2019">COVID</a> cases in <a href="/wiki/India" title="India">India</a> are surging up, the banking institution has shifted its focus to <a href="/wiki/Contactless_payment" title="Contactless payment">contactless payment</a> options such as contactless debit card, contactless credit card and contactless prepaid card.<sup id="cite_ref-50" class="reference"><a href="#cite_note-50"><span class="cite-bracket">[</span>50<span class="cite-bracket">]</span></a></sup> The payment methods are changing drastically in India because of <a href="/wiki/Social_distancing" title="Social distancing">social distancing</a> norms and <a href="/wiki/Lockdown" title="Lockdown">lockdown</a>; people are using more of the digital transactions rather than <a href="/wiki/Cash" title="Cash">cash</a>.<sup id="cite_ref-51" class="reference"><a href="#cite_note-51"><span class="cite-bracket">[</span>51<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Indonesia">Indonesia</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=43" title="Edit section: Indonesia"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Foreign-owned brands issuing Indonesian debit cards include Visa, Maestro, MasterCard, and <a href="/wiki/Malaysian_Electronic_Payment_System" title="Malaysian Electronic Payment System">MEPS</a>. Domestically owned debit card networks operating in Indonesia include <a href="/wiki/Bank_Central_Asia" title="Bank Central Asia">Debit BCA</a> (and its <a href="/wiki/PRIMA_(Indonesia)" title="PRIMA (Indonesia)">Prima</a> network's counterpart, Prima Debit) and <a href="/wiki/Bank_Mandiri" title="Bank Mandiri">Mandiri Debit</a>. </p> <div class="mw-heading mw-heading3"><h3 id="Iraq">Iraq</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=44" title="Edit section: Iraq"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Iraq's two biggest state-owned banks, <a href="/wiki/Rafidain_Bank" title="Rafidain Bank">Rafidain Bank</a> and <a href="/wiki/Rasheed_Bank" title="Rasheed Bank">Rasheed Bank</a>, together with the <i>Iraqi Electronic Payment System (IEPS)</i> have established a company called International Smart Card, which has developed a national credit card called '<a href="/wiki/Qi_Card" title="Qi Card">Qi Card</a>', which they have issued since 2008. According to the company's website: 'after less than two years of the initial launch of the Qi card solution, we have hit 1.6 million cardholder with the potential to issue 2 million cards by the end of 2010, issuing about 100,000 card monthly is a testament to the huge success of the Qi card solution. Parallel to this will be the expansion into retail stores through a network of points of sales of about 30,000 units by 2015'. </p> <div class="mw-heading mw-heading3"><h3 id="Ireland">Ireland</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=45" title="Edit section: Ireland"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading4"><h4 id="Current_system_(as_of_December_2022)"><span id="Current_system_.28as_of_December_2022.29"></span>Current system (as of December 2022)</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=46" title="Edit section: Current system (as of December 2022)"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In Ireland, all debits cards are exclusively Chip and PIN. The market is dominated by Visa Debit cards - the "Top 3" banks in Ireland: <a href="/wiki/Allied_Irish_Banks" title="Allied Irish Banks">Allied Irish Banks</a>, <a href="/wiki/Bank_of_Ireland" title="Bank of Ireland">Bank of Ireland</a> and <a href="/wiki/Permanent_TSB" title="Permanent TSB">Permanent TSB</a> all use Visa Debit, as well as the exiting bank <a href="/wiki/Ulster_Bank" title="Ulster Bank">Ulster Bank</a>. Other financial institutions that maintain a minority stake such as <a href="/wiki/EBS_d.a.c." title="EBS d.a.c.">EBS</a>, <a href="/wiki/An_Post" title="An Post">An Post Money</a> and some credit unions use Mastercard Debit cards, as well as the exiting bank KBC. <a href="/wiki/Revolut" title="Revolut">Revolut</a>, with over 2 million customers in Ireland,<sup id="cite_ref-52" class="reference"><a href="#cite_note-52"><span class="cite-bracket">[</span>52<span class="cite-bracket">]</span></a></sup> varies between Mastercard and Visa Debit cards. </p><p>Irish debit cards are normally multi-functional and combine ATM card facilities. Some banks will provide ATM cards to vulnerable or elderly customers, but only on request. The practice is rare and it is on a case-by-case basis. </p><p>For online purchases, the cards are used together with the bank's mobile app for Strong Customer Authentication as required by the EU's Payment Services Directive (PSD2).<sup id="cite_ref-53" class="reference"><a href="#cite_note-53"><span class="cite-bracket">[</span>53<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-54" class="reference"><a href="#cite_note-54"><span class="cite-bracket">[</span>54<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-55" class="reference"><a href="#cite_note-55"><span class="cite-bracket">[</span>55<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-56" class="reference"><a href="#cite_note-56"><span class="cite-bracket">[</span>56<span class="cite-bracket">]</span></a></sup> </p><p>Most Irish debit cards are also enabled for contactless payment for purchases €50 or below, and display the contactless symbol. The limit was previously €30, but was increased to €50 as a result of the <a href="/wiki/COVID-19_pandemic_in_the_Republic_of_Ireland" title="COVID-19 pandemic in the Republic of Ireland">COVID-19 pandemic</a> to increase card usage in order to minimize the handling of cash.<sup id="cite_ref-57" class="reference"><a href="#cite_note-57"><span class="cite-bracket">[</span>57<span class="cite-bracket">]</span></a></sup> Some banks, such as AIB, do not provide contactless cards to certain account holders, such as those under 18. After 3-5 contactless transactions, the bank will ask the card user to enter their PIN through a Chip and PIN transaction for authentication. </p><p><a href="/wiki/Apple_Pay" title="Apple Pay">Apple Pay</a> and <a href="/wiki/Google_Pay_(payment_method)" title="Google Pay (payment method)">Google Pay</a> are also embraced as contactless payment methods with many retailers as they use the same contactless technology. However, due to the device's authentication of the user, there is no limit on the purchase amount.<sup id="cite_ref-58" class="reference"><a href="#cite_note-58"><span class="cite-bracket">[</span>58<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-59" class="reference"><a href="#cite_note-59"><span class="cite-bracket">[</span>59<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-60" class="reference"><a href="#cite_note-60"><span class="cite-bracket">[</span>60<span class="cite-bracket">]</span></a></sup> In some cases, there are limits of a large amount such as €500, however this may be imposed by the retailer due to technical constraints rather than for security purposes. </p><p>The cards are usually processed online, but some cards can also be processed offline depending on the rules applied by the card issuer. </p><p>A number of card issuers also provide prepaid debit card accounts primarily for use as gift cards / vouchers or for added security and anonymity online, e.g. CleverCards. These may be disposable or reloadable and are predominately MasterCard branded. One4All vouchers, a popular voucher given particularly to employees by companies at Christmas time, are another type of a prepaid debit card used. However, it is limited to retailers that specifically opt-in to using One4All cards as a payment method and are neither Visa nor Mastercard branded. </p> <div class="mw-heading mw-heading4"><h4 id="Previous_system_(defunct_since_28_February_2014)"><span id="Previous_system_.28defunct_since_28_February_2014.29"></span>Previous system (defunct since 28 February 2014)</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=47" title="Edit section: Previous system (defunct since 28 February 2014)"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p><a href="/wiki/Laser_(debit_card)" title="Laser (debit card)">Laser</a> was launched by the Irish banks in 1996 as an extension of the existing ATM and <a href="/wiki/Cheque_guarantee_card" title="Cheque guarantee card">Cheque guarantee card</a> systems that had existed for many years. When the service was added, it became possible to make payments with a multifunctional card that combined ATM, cheque and debit card and international ATM facilities through MasterCard Cirrus or Visa Plus and sometimes the British Link ATM system. Their functionality was similar to the British <a href="/wiki/Switch_(debit_card)" title="Switch (debit card)">Switch</a> card. </p><p>The system first launched as a swipe & sign card and could be used in Ireland in much the same way as a credit card and were compatible standard card terminals (online or offline, although they were usually processed online). They could also be used in cardholder-not-present transactions over the phone, by mail or on the internet or for processing recurring payments. Laser also offered 'cash back' facilities where customers could ask retailers (where offered) for an amount of cash along with their transaction. This service allowed retailers to reduce volumes of cash in tills and allowed consumers to avoid having to use ATMs. Laser adopted EMV 'Chip and PIN' security in 2002 in common with other credit and debit cards right across Europe. In 2005, some banks issued customers with Lasers cards that were co-branded with Maestro. This allowed them to be used in POS terminals overseas, internet transactions were usually restricted to sites that specifically accepted Laser. </p><p>Since 2006, Irish banks have progressively replaced Laser with international schemes, primarily Visa Debit and by 28 February 2014 the Laser Card system had been withdrawn entirely and is no longer accepted by retailers. </p> <div class="mw-heading mw-heading3"><h3 id="Israel">Israel</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=48" title="Edit section: Israel"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1251242444">.mw-parser-output .ambox{border:1px solid #a2a9b1;border-left:10px solid #36c;background-color:#fbfbfb;box-sizing:border-box}.mw-parser-output .ambox+link+.ambox,.mw-parser-output .ambox+link+style+.ambox,.mw-parser-output .ambox+link+link+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+style+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+link+.ambox{margin-top:-1px}html body.mediawiki .mw-parser-output .ambox.mbox-small-left{margin:4px 1em 4px 0;overflow:hidden;width:238px;border-collapse:collapse;font-size:88%;line-height:1.25em}.mw-parser-output .ambox-speedy{border-left:10px solid #b32424;background-color:#fee7e6}.mw-parser-output .ambox-delete{border-left:10px solid #b32424}.mw-parser-output .ambox-content{border-left:10px solid #f28500}.mw-parser-output .ambox-style{border-left:10px solid #fc3}.mw-parser-output .ambox-move{border-left:10px solid #9932cc}.mw-parser-output .ambox-protection{border-left:10px solid #a2a9b1}.mw-parser-output .ambox .mbox-text{border:none;padding:0.25em 0.5em;width:100%}.mw-parser-output .ambox .mbox-image{border:none;padding:2px 0 2px 0.5em;text-align:center}.mw-parser-output .ambox .mbox-imageright{border:none;padding:2px 0.5em 2px 0;text-align:center}.mw-parser-output .ambox .mbox-empty-cell{border:none;padding:0;width:1px}.mw-parser-output .ambox .mbox-image-div{width:52px}@media(min-width:720px){.mw-parser-output .ambox{margin:0 10%}}@media print{body.ns-0 .mw-parser-output .ambox{display:none!important}}</style><table class="box-Update plainlinks metadata ambox ambox-content ambox-Update" role="presentation"><tbody><tr><td class="mbox-image"><div class="mbox-image-div"><span typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/5/53/Ambox_current_red_Americas.svg/42px-Ambox_current_red_Americas.svg.png" decoding="async" width="42" height="34" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/5/53/Ambox_current_red_Americas.svg/63px-Ambox_current_red_Americas.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/5/53/Ambox_current_red_Americas.svg/84px-Ambox_current_red_Americas.svg.png 2x" data-file-width="360" data-file-height="290" /></span></span></div></td><td class="mbox-text"><div class="mbox-text-span">This section needs to be <b>updated</b>.<span class="hide-when-compact"> Please help update this article to reflect recent events or newly available information.</span> <span class="date-container"><i>(<span class="date">April 2024</span>)</i></span></div></td></tr></tbody></table> <p>The Israel bank card system is somewhat confusing to newcomers, comprising a blend of features taken from different types of cards. What may be referred to as a credit card, is most likely to be a deferred debit card on an associated bank current account, the most common type of card in Israel, somewhat like the situation in France, though the term "debit card" is not in common usage. Cards are nearly universally called <i>cartis ashrai</i> (כרטיס אשראי), literally, "credit card", a term which may belie the card's characteristics. Its main feature may be a direct link to a connected bank account (through which they are mostly issued), with the total value of the transactions made on the card being debited from the bank account in full on a regular date once a month, without the option to carry the balance over; indeed certain types of transactions (such as online and/or foreign currency) may be debited directly from the connected bank account at the time of the transaction. Any such limited credit enjoyed is a result of the customer's assets and credibility with the bank, and not granted by the credit card company.<sup id="cite_ref-61" class="reference"><a href="#cite_note-61"><span class="cite-bracket">[</span>61<span class="cite-bracket">]</span></a></sup> The card usually enables immediate ATM cash withdrawals & balance inquiries (as debit cards do), installment & deferred charge interest free transactions offered by merchants (also applicable in Brazil), interest bearing installment plans/deferred charge/revolving credit which is transaction specific at the point of sale (though granted by the issuer, hence the interest), and a variety of automated/upon request types of credit schemes including loans, some of which revolve or resemble the extended payment options sometimes offered by charge cards. Thus the "true" debit card is not so common in Israel, though it has existed since 1994. It is offered by two credit companies in Israel: One is ICC, short for "Israeli Credit Cards" (referred to as "CAL", an acronym formed from its abbreviation in Hebrew), which issues it in the form of a Visa Electron card valid only in Israel. It is offered mainly through the Israel Post (post office) bank<sup id="cite_ref-israelpost_62-0" class="reference"><a href="#cite_note-israelpost-62"><span class="cite-bracket">[</span>62<span class="cite-bracket">]</span></a></sup> (which is not allowed, by regulation, to offer any type of credit) or through <a href="/wiki/Israel_Discount_Bank" title="Israel Discount Bank">Israel Discount Bank</a>, its main owner (where it is branded as "Discount Money Key" card). This branded Israel Discount Bank branded debit card also offered as valid worldwide card, either as Visa Electron or MasterCard Debit cards.<sup id="cite_ref-63" class="reference"><a href="#cite_note-63"><span class="cite-bracket">[</span>63<span class="cite-bracket">]</span></a></sup> The second & more common debit card is offered by the <a href="/wiki/Isracard" title="Isracard">Isracard</a> consortium to its affiliate banks and is branded "Direct". It is valid only in Israel, under its local private label brand, as "Isracard Direct" (which was known as "Electro Cheque" until 2002 and while the local brand Isracard is often viewed as a MasterCard for local use only). Since 2006, Isracard has also offered an international version, branded "MasterCard Direct", which is less common. These two debit card brands operate offline in Israel (meaning the transaction operates under the credit cards systems & debited officially from the cardholder account only few days later, after being processed—though reflected on the current account immediately). In 2014 the Isracard Direct card (a.k.a. the valid only in Israel version) was relaunched as Isracash,<sup id="cite_ref-64" class="reference"><a href="#cite_note-64"><span class="cite-bracket">[</span>64<span class="cite-bracket">]</span></a></sup> though the former subbrand still being marketed and replaced ICC Visa Electron as Israel Post bank debit card.<sup id="cite_ref-65" class="reference"><a href="#cite_note-65"><span class="cite-bracket">[</span>65<span class="cite-bracket">]</span></a></sup> </p><p>Overall, banks routinely offer deferred debit cards to their new customers, with "true" debit cards usually offered only to those who cannot obtain credit. These latter cards are not attractive to the average customer since they attract both a monthly fee from the credit company and a bank account fee for each day's debits. Isracard Direct is by far more common than the ICC Visa Electron debit card. Banks who issue mainly Visa cards will rather offer electronic use, mandate authorized transaction only, unembossed version of Visa Electron deferred debit cards (branded as "Visa Basic" or "Visa Classic") to its customers—sometimes even in the form of revolving credit card. </p><p>Credit/debit card transactions in Israel are not PIN based (other than at ATMs) and it is only in recent years that <a href="/wiki/EMV" title="EMV">EMV</a> chip smart cards have begun to be issued, with the Bank of Israel in 2013 ordering the banks and credit card companies to switch customers to credit cards with the EMV security standard within 3.5 years.<sup id="cite_ref-66" class="reference"><a href="#cite_note-66"><span class="cite-bracket">[</span>66<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Italy">Italy</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=49" title="Edit section: Italy"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Debit cards are quite popular in Italy. There are both classic and prepaid cards. There are two Italian interbank networks, <a href="/wiki/Bancomat_(debit_card)" class="mw-redirect" title="Bancomat (debit card)">Bancomat and PagoBancomat</a>: Bancomat is the commercial brand for the cash withdrawal circuit, while PagoBancomat is used for POS transactions. Nowadays many debit cards use Visa or Mastercard circuit, often in co-badging with Bancomat/PagoBancomat. There is another national circuit, Postamat, that is used by the debit and prepaid cards offered by the national post service, <a href="/wiki/Poste_Italiane" title="Poste Italiane">Poste Italiane</a>, mainly for the cash withdrawal in the post-office ATM. </p> <div class="mw-heading mw-heading3"><h3 id="Japan">Japan</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=50" title="Edit section: Japan"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1251242444"><table class="box-Update plainlinks metadata ambox ambox-content ambox-Update" role="presentation"><tbody><tr><td class="mbox-image"><div class="mbox-image-div"><span typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/5/53/Ambox_current_red_Americas.svg/42px-Ambox_current_red_Americas.svg.png" decoding="async" width="42" height="34" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/5/53/Ambox_current_red_Americas.svg/63px-Ambox_current_red_Americas.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/5/53/Ambox_current_red_Americas.svg/84px-Ambox_current_red_Americas.svg.png 2x" data-file-width="360" data-file-height="290" /></span></span></div></td><td class="mbox-text"><div class="mbox-text-span">This section needs to be <b>updated</b>.<span class="hide-when-compact"> Please help update this article to reflect recent events or newly available information.</span> <span class="date-container"><i>(<span class="date">June 2011</span>)</i></span></div></td></tr></tbody></table> <p>In <a href="/wiki/Japan" title="Japan">Japan</a> people usually use their <i>cash cards</i><span style="font-weight: normal"> (<span title="Japanese-language text"><span lang="ja">キャッシュカード</span></span>, <span title="Hepburn transliteration"><i lang="ja-Latn">kyasshu kādo</i></span>)</span>, originally intended only for use with cash machines, as debit cards. The debit functionality of these cards is usually referred to as <i>J-Debit</i><span style="font-weight: normal"> (<span title="Japanese-language text"><span lang="ja">ジェイデビット</span></span>, <span title="Hepburn transliteration"><i lang="ja-Latn">Jeidebitto</i></span>)</span>, and only cash cards from certain banks can be used. A cash card has the same size as a Visa/MasterCard. As identification, the user will have to enter their four-digit PIN when paying. J-Debit was started in Japan on 6 March 2000. However, J-Debit has not been that popular since then. </p><p><a href="/w/index.php?title=Suruga_Bank&action=edit&redlink=1" class="new" title="Suruga Bank (page does not exist)">Suruga Bank</a> began service of Japan's first <a href="/wiki/Visa_Debit" title="Visa Debit">Visa Debit</a> in 2006. Rakuten Bank, formally known as Ebank, offers a Visa debit card.<sup id="cite_ref-67" class="reference"><a href="#cite_note-67"><span class="cite-bracket">[</span>67<span class="cite-bracket">]</span></a></sup> </p><p>Resona Bank and <a href="/wiki/The_Bank_of_Tokyo-Mitsubishi_UFJ" class="mw-redirect" title="The Bank of Tokyo-Mitsubishi UFJ">The Bank of Tokyo-Mitsubishi UFJ</a> bank also offer a Visa branded debit card.<sup id="cite_ref-68" class="reference"><a href="#cite_note-68"><span class="cite-bracket">[</span>68<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-69" class="reference"><a href="#cite_note-69"><span class="cite-bracket">[</span>69<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Kuwait">Kuwait</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=51" title="Edit section: Kuwait"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In Kuwait, all banks provide a debit card to their account holders. This card is branded as KNET, which is the central switch in Kuwait. KNET card transactions are free for both customer and the merchant and therefore KNET debit cards are used for low valued transactions as well. KNET cards are mostly co-branded as Maestro or Visa Electron which makes it possible to use the same card outside Kuwait on any terminal supporting these payment schemes. </p> <div class="mw-heading mw-heading3"><h3 id="Malaysia">Malaysia</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=52" title="Edit section: Malaysia"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In Malaysia, the local debit card network is operated by the Malaysian Electronic Clearing Corporation (MyClear), which had taken over the scheme from MEPS in 2008. The new name for the local debit card in Malaysia is MyDebit, which was previously known as either bankcard or e-debit. Debit cards in Malaysia are now issued on a combo basis where the card has both the local debit card payment application as well as having that of an International scheme (Visa or MasterCard). All newly issued MyDebit combo cards with Visa or MasterCard have the contactless payment feature. The same card also acts as the ATM card for cash withdrawals. </p> <div class="mw-heading mw-heading3"><h3 id="Mali">Mali</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=53" title="Edit section: Mali"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>See "<a href="#UEMOA">UEMOA</a>". </p> <div class="mw-heading mw-heading3"><h3 id="Mexico">Mexico</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=54" title="Edit section: Mexico"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In Mexico, many companies use a type of debit card called a payroll card (tarjeta de nómina), in which they deposit their employee's payrolls, instead of paying them in cash or through checks. This method is preferred in many places because it is a much safer and secure alternative compared to the more traditional forms of payment. </p> <div class="mw-heading mw-heading3"><h3 id="Netherlands">Netherlands</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=55" title="Edit section: Netherlands"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In the <a href="/wiki/Netherlands" title="Netherlands">Netherlands</a> using <a href="/wiki/EFTPOS" title="EFTPOS">EFTPOS</a> is known as <i>pinnen</i> (pinning), a term derived from the use of a <a href="/wiki/Personal_identification_number" title="Personal identification number">personal identification number</a> (PIN). PINs are also used for <a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">ATM</a> transactions, and the term is used interchangeably by many people, although it was introduced as a marketing brand for EFTPOS. The system was launched in 1987, and in 2010 there were 258,585 terminals throughout the country, including mobile terminals used by delivery services and on markets. All banks offer a debit card suitable for EFTPOS with current accounts. </p><p>PIN transactions are usually free to the customer, but the retailer is charged per-transaction and monthly fees. <a href="/wiki/Equens" class="mw-redirect" title="Equens">Equens</a>, an association with all major banks as its members, runs the system, and until August 2005 also charged for it. Responding to allegations of monopoly abuse, it has handed over contractual responsibilities to its member banks through who now offer competing contracts. The system is organised through a special banking association <a href="/wiki/Currence" title="Currence">Currence</a> set up specifically to coordinate access to payment systems in The Netherlands. Interpay, a legal predecessor of Equens, was fined €47,000,000 in 2004, but the fine was later dropped, and a related fine for banks was lowered from €17 million to €14 million. Per-transaction fees are between 5–10 cts, depending on volume. </p><p>Credit card use in the Netherlands is very low, and most credit cards cannot be used with EFTPOS, or charge very high fees to the customer. Debit cards can often, though not always, be used in the entire EU for EFTPOS. Most debit cards are Mastercard <a href="/wiki/Maestro_(debit_card)" title="Maestro (debit card)">Maestro</a> cards. Visa's <a href="/wiki/V_Pay" title="V Pay">V Pay</a> cards are also accepted at most locations. In 2011, spending money using debit cards rose to €83,000,000,000 whilst cash spending dropped to €51,000,000,000 and credit card spending grew to €5,000,000,000.<sup id="cite_ref-70" class="reference"><a href="#cite_note-70"><span class="cite-bracket">[</span>70<span class="cite-bracket">]</span></a></sup> </p><p>Electronic Purse Cards (called <a href="/wiki/Chipknip" title="Chipknip">Chipknip</a>) were introduced in 1996, but have never become very popular. The system was abolished at the end of 2014. </p> <div class="mw-heading mw-heading3"><h3 id="New_Zealand">New Zealand</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=56" title="Edit section: New Zealand"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>EFTPOS (<a href="/wiki/Electronic_fund_transfer" class="mw-redirect" title="Electronic fund transfer">electronic fund transfer</a> at <a href="/wiki/Point_of_sale" title="Point of sale">point of sale</a>) in New Zealand was highly popular until other forms of payment began to take over in the 2010s. In 2006, 70 percent of all retail transactions were made by EFTPOS, with an average of 306 EFTPOS transactions being made per person. By 2023, this had declined to a little over 20%.<sup id="cite_ref-71" class="reference"><a href="#cite_note-71"><span class="cite-bracket">[</span>71<span class="cite-bracket">]</span></a></sup> </p><p>The system involves the merchant swiping (or inserting) the customer's card and entering the purchase amount. Point of sale systems with integrated EFTPOS often send the purchase total to the terminal and the customer swipes their own card. The customer then selects the account they wish to use: Current/Cheque (CHQ), Savings (SAV), or Credit Card (CRD), before entering in their PIN. After a short processing time in which the terminal contacts the EFTPOS network and the bank, the transaction is approved (or declined) and a receipt is printed. The EFTPOS system is used for credit cards as well, with a customer selecting Credit Card and entering their PIN. </p><p>Nearly all retail outlets have EFTPOS facilities, to the point that that retailers without EFTPOS normally advertise 'cash only'. The main exceptions are small traders at farmers markets and other occasional outlets. Most mobile operators such as taxis, stall holders and pizza deliverers have mobile EFTPOS systems. The system is made up of two primary networks: EFTPOS NZ, which is owned by <a href="/wiki/VeriFone" class="mw-redirect" title="VeriFone">VeriFone</a><sup id="cite_ref-72" class="reference"><a href="#cite_note-72"><span class="cite-bracket">[</span>72<span class="cite-bracket">]</span></a></sup> and Worldline NZ, which is owned by ANZ Bank New Zealand, <a href="/wiki/ASB_Bank" title="ASB Bank">ASB Bank</a>, <a href="/wiki/Westpac" title="Westpac">Westpac</a> and the <a href="/wiki/Bank_of_New_Zealand" title="Bank of New Zealand">Bank of New Zealand</a>.<sup id="cite_ref-73" class="reference"><a href="#cite_note-73"><span class="cite-bracket">[</span>73<span class="cite-bracket">]</span></a></sup> The two networks are intertwined, highly sophisticated and secure, able to handle huge volumes of transactions during busy periods such as the lead-up to Christmas. Network failures are rare, but when they occur they cause massive disruption, major delays and loss of income for businesses. The <a href="/wiki/CrowdStrike" title="CrowdStrike">CrowdStrike</a> failure in July 2024 was one such incident. </p><p>Merchants and customers are not charged a fee for using EFTPOS - merchants only have to pay for the equipment rental. </p><p>One of the disadvantages of New Zealand's well-established EFTPOS system is that it is incompatible with overseas systems and non-face-to-face purchases. In response to this, many banks since 2005 have introduced international debit cards such as <a href="/wiki/Maestro_(debit_card)" title="Maestro (debit card)">Maestro</a> and Visa Debit which work online and overseas as well as on the New Zealand EFTPOS system. </p> <div class="mw-heading mw-heading3"><h3 id="Nigeria">Nigeria</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=57" title="Edit section: Nigeria"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Many Nigerians regard Debit cards as ATM cards because of its features to withdraw money directly from the ATM.<sup id="cite_ref-74" class="reference"><a href="#cite_note-74"><span class="cite-bracket">[</span>74<span class="cite-bracket">]</span></a></sup> </p><p>According to the <a href="/wiki/Central_Bank_of_Nigeria" title="Central Bank of Nigeria">Central Bank of Nigeria</a>, Debit Cards can be issued to customers having Savings /Current Accounts. There are three major types of Debit card in Nigeria: MasterCard, Verve, and Visa card. These Debit cards companies have other packages they offer in Nigeria like Naira MasterCard platinum, Visa Debit (Dual currency), GTCrea8 Card, SKS Teen Card, etc. All the packages depend on your Bank. </p> <div class="mw-heading mw-heading3"><h3 id="Philippines">Philippines</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=58" title="Edit section: Philippines"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In the <a href="/wiki/Philippines" title="Philippines">Philippines</a>, all three national ATM network consortia offer proprietary PIN debit. This was first offered by <a href="/wiki/Express_Payment_System" title="Express Payment System">Express Payment System</a> in 1987, followed by <a href="/wiki/Megalink" class="mw-redirect" title="Megalink">Megalink</a> with Paylink in 1993 then <a href="/wiki/BancNet" title="BancNet">BancNet</a> with the <a href="/wiki/Point-of-Sale" class="mw-redirect" title="Point-of-Sale">Point-of-Sale</a> in 1994. </p><p><a href="/wiki/Express_Payment_System" title="Express Payment System">Express Payment System</a> or EPS was the pioneer provider, having launched the service in 1987 on behalf of the <a href="/wiki/Bank_of_the_Philippine_Islands" title="Bank of the Philippine Islands">Bank of the Philippine Islands</a>. The EPS service has subsequently been extended in late 2005 to include the other Expressnet members: <a href="/wiki/Banco_de_Oro" title="Banco de Oro">Banco de Oro</a> and <a href="/wiki/Land_Bank_of_the_Philippines" title="Land Bank of the Philippines">Land Bank of the Philippines</a>. They currently operate 10,000 terminals for their cardholders. </p><p>Megalink launched Paylink EFTPOS system in 1993. Terminal services are provided by Equitable Card Network on behalf of the consortium. Service is available in 2,000 terminals, mostly in <a href="/wiki/Metro_Manila" title="Metro Manila">Metro Manila</a>. </p><p><a href="/wiki/BancNet" title="BancNet">BancNet</a> introduced their point of sale system in 1994 as the first consortium-operated EFTPOS service in the country. The service is available in over 1,400 locations throughout the Philippines, including second and third-class municipalities. In 2005, BancNet signed a Memorandum of Agreement to serve as the local gateway for <a href="/wiki/China_UnionPay" class="mw-redirect" title="China UnionPay">China UnionPay</a>, the sole ATM switch in <a href="/wiki/China" title="China">China</a>. This will allow the estimated 1.0 billion Chinese ATM cardholders to use the BancNet ATMs and the EFTPOS in all participating merchants. </p><p>Visa debit cards are issued by <a href="/wiki/Union_Bank_of_the_Philippines" class="mw-redirect" title="Union Bank of the Philippines">Union Bank of the Philippines</a> (e-Wallet & eon), <a href="/wiki/Chinatrust" class="mw-redirect" title="Chinatrust">Chinatrust</a>, <a href="/w/index.php?title=Equicom_Savings_Bank&action=edit&redlink=1" class="new" title="Equicom Savings Bank (page does not exist)">Equicom Savings Bank</a> (Key Card & Cash Card), <a href="/wiki/Banco_de_Oro" title="Banco de Oro">Banco de Oro</a>, <a href="/wiki/HSBC" title="HSBC">HSBC</a>, <a href="/w/index.php?title=HSBC_Savings_Bank&action=edit&redlink=1" class="new" title="HSBC Savings Bank (page does not exist)">HSBC Savings Bank</a>, Sterling Bank of Asia (Visa ShopNPay prepaid and debit cards) and <a href="/wiki/EastWest_Bank" title="EastWest Bank">EastWest Bank</a>. Union Bank of the Philippines cards, EastWest Visa Debit Card, Equicom Savings Bank & Sterling Bank of Asia EMV cards which can also be used for internet purchases. <a href="/wiki/Sterling_Bank_of_Asia" title="Sterling Bank of Asia">Sterling Bank of Asia</a> has released its first line of prepaid and debit Visa cards with <a href="/wiki/EMV" title="EMV">EMV</a> chip. </p><p>MasterCard debit cards are issued by Banco de Oro, <a href="/wiki/Security_Bank" title="Security Bank">Security Bank</a> (Cashlink & Cash Card) and <a href="/wiki/Smart_Communications" title="Smart Communications">Smart Communications</a> (Smart Money) tied up with Banco de Oro. MasterCard Electronic cards are issued by BPI (Express Cash) and Security Bank (CashLink Plus). </p><p>Originally, all Visa and MasterCard based debit cards in the Philippines are non-embossed and are marked either for "Electronic Use Only" (Visa/MasterCard) or "Valid only where MasterCard Electronic is Accepted" (MasterCard Electronic). However, <a href="/wiki/EastWest_Bank" title="EastWest Bank">EastWest Bank</a> started to offer embossed Visa Debit Cards without the for "Electronic Use Only" mark. Paypass Debit MasterCard from other banks also have embossed labels without the for "Electronic Use Only" mark. Unlike credit cards issued by some banks, these Visa and MasterCard-branded debit cards do not feature EMV chips, hence they can only be read by the machines through swiping. </p><p>By 21 March 2016, <a href="/wiki/BDO_Unibank" class="mw-redirect" title="BDO Unibank">BDO</a> has started issuing sets of <a href="/w/index.php?title=Debit_MasterCards&action=edit&redlink=1" class="new" title="Debit MasterCards (page does not exist)">Debit MasterCards</a> having the EMV chip and is the first Philippine bank to have it.<sup id="cite_ref-75" class="reference"><a href="#cite_note-75"><span class="cite-bracket">[</span>75<span class="cite-bracket">]</span></a></sup> This is a response to the <a href="/wiki/Bangko_Sentral_ng_Pilipinas" title="Bangko Sentral ng Pilipinas">BSP</a>'s monitor of the EMV shift progress in the country.<sup id="cite_ref-76" class="reference"><a href="#cite_note-76"><span class="cite-bracket">[</span>76<span class="cite-bracket">]</span></a></sup> By 2017, all Debit Cards in the country should have an EMV chip on it.<sup id="cite_ref-77" class="reference"><a href="#cite_note-77"><span class="cite-bracket">[</span>77<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Poland">Poland</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=59" title="Edit section: Poland"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In <a href="/wiki/Poland" title="Poland">Poland</a>, the first system of electronic payments was operated by Orbis, which later was changed to PolCard in 1991 (which also issued its own cards) and then that system was bought by <a href="/wiki/First_Data" title="First Data">First Data</a> Poland Holding SA. In the mid-1990s international brands such as Visa, MasterCard, and the unembossed Visa Electron or Maestro were introduced. </p><p>Visa Electron and Maestro work as a standard debit cards: the transactions are debited instantly, although it may happen on some occasions that a transaction is processed with some delay (hours, up to one day). These cards do not possess the options that credit cards have. </p><p>In the late 2000s, contactless cards started to be introduced. The first technology to be used was MasterCard PayPass, later joined by Visa's payWave. This payment method is now universal and accepted almost everywhere. In an everyday use this payment method is always called Paypass. Almost all businesses in Poland accept debit and credit cards. </p><p>In the mid-2010s, Polish banks started to replace unembossed cards with embossed electronic cards such as Debit MasterCard and Visa Debit, allowing the customers to own a card that has all qualities of a credit card (given that credit cards are not popular in Poland). </p><p>There are also some banks that do not possess an identification system to allow customers to order debit cards online. </p> <div class="mw-heading mw-heading3"><h3 id="Portugal">Portugal</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=60" title="Edit section: Portugal"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In <a href="/wiki/Portugal" title="Portugal">Portugal</a>, debit cards are accepted almost everywhere: ATMs, stores, and so on. The most commonly accepted are Visa and MasterCard, or the unembossed Visa Electron or Maestro. Regarding Internet payments debit cards cannot be used for transfers, due to its unsafeness, so banks recommend the use of 'MBnet', a pre-registered safe system that creates a virtual card with a pre-selected credit limit. All the card system is regulated by SIBS, the institution created by Portuguese banks to manage all the regulations and communication processes properly. SIBS' shareholders are all the 27 banks operating in Portugal. </p> <div class="mw-heading mw-heading3"><h3 id="Russia">Russia</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=61" title="Edit section: Russia"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In addition to Visa, MasterCard and American Express, there are some local payment systems based in general on <a href="/wiki/Smart_card" title="Smart card">smart card</a> technology. </p> <ul><li><a href="/wiki/Sbercard" class="mw-redirect" title="Sbercard">Sbercard</a>. This payment system was created by <a href="/wiki/Sberbank" title="Sberbank">Sberbank</a> around 1995–1996. It uses <a href="/w/index.php?title=BGS_Smartcard_Systems_AG&action=edit&redlink=1" class="new" title="BGS Smartcard Systems AG (page does not exist)">BGS Smartcard Systems AG</a> smart card technology that is, DUET. Sberbank was a single retail bank in the <a href="/wiki/Soviet_Union" title="Soviet Union">Soviet Union</a> before 1990. De facto this is a payment system of the SberBank.</li> <li><a href="/wiki/Zolotaya_Korona" title="Zolotaya Korona">Zolotaya Korona</a>. This card brand was created in 1994. Zolotaya Korona is based on CFT technology.</li> <li><a href="/w/index.php?title=STB_Card&action=edit&redlink=1" class="new" title="STB Card (page does not exist)">STB Card</a>. This card uses the classic <a href="/wiki/Magnetic_Stripe_Reader" class="mw-redirect" title="Magnetic Stripe Reader">magnetic stripe</a> technology. It almost fully collapsed after 1998 (GKO crisis) with STB bank failure.</li> <li><a href="/w/index.php?title=Union_Card&action=edit&redlink=1" class="new" title="Union Card (page does not exist)">Union Card</a>. The card also uses the classic <a href="/wiki/Magnetic_Stripe_Reader" class="mw-redirect" title="Magnetic Stripe Reader">magnetic stripe</a> technology. This card brand is on the decline. These accounts are being reissued as Visa or MasterCard accounts.</li></ul> <p>Nearly every transaction, regardless of brand or system, is processed as an immediate debit transaction. Non-debit transactions within these systems have spending limits that are strictly limited when compared with typical Visa or MasterCard accounts. </p> <div class="mw-heading mw-heading3"><h3 id="Saudi_Arabia">Saudi Arabia</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=62" title="Edit section: Saudi Arabia"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In <a href="/wiki/Saudi_Arabia" title="Saudi Arabia">Saudi Arabia</a>, all debit card transactions are routed through <a href="/wiki/Saudi_Payments_Network" title="Saudi Payments Network">Saudi Payments Network</a> (mada), the only electronic payment system in the Kingdom and all banks are required by the <a href="/wiki/Saudi_Central_Bank" title="Saudi Central Bank">Saudi Central Bank</a> (SAMA) to issue cards fully compatible with the network. It connects all point of sale (POS) terminals throughout the country to a central payment switch which in turn re-routes the financial transactions to the card issuer, local bank, Visa, Amex or MasterCard. </p><p>As well as its use for debit cards, the network is also used for ATM and credit card transactions. </p> <div class="mw-heading mw-heading3"><h3 id="Senegal">Senegal</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=63" title="Edit section: Senegal"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Economic_Community_of_West_African_States#West_African_Economic_and_Monetary_Union" class="mw-redirect" title="Economic Community of West African States">Economic Community of West African States § West African Economic and Monetary Union</a></div> <div class="mw-heading mw-heading3"><h3 id="Serbia">Serbia</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=64" title="Edit section: Serbia"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>All Serbian banks issue debit cards. Since August 2018, all owners of transactional accounts in <a href="/wiki/Serbian_dinar" title="Serbian dinar">Serbian dinars</a> are automatically issued a debit card of the national brand <i><a href="/wiki/DinaCard" title="DinaCard">DinaCard</a></i>.<sup id="cite_ref-78" class="reference"><a href="#cite_note-78"><span class="cite-bracket">[</span>78<span class="cite-bracket">]</span></a></sup> Other brands (VISA, MasterCard and Maestro) are more popular, better accepted and more secure, but must be requested specifically as <a href="/w/index.php?title=Additional_card&action=edit&redlink=1" class="new" title="Additional card (page does not exist)">additional cards</a>. Debit cards are used for cash withdrawal at ATMs as well as store transactions. </p> <div class="mw-heading mw-heading3"><h3 id="Singapore">Singapore</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=65" title="Edit section: Singapore"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Singapore's debit service is managed by the <a href="/wiki/Network_for_Electronic_Transfers" class="mw-redirect" title="Network for Electronic Transfers">Network for Electronic Transfers</a> (NETS), founded by Singapore's leading banks and shareholders namely DBS, Keppel Bank, OCBC and its associates, OUB, IBS, POSB, Tat Lee Bank and UOB in 1985 as a result of a need for a centralised e-Payment operator. </p><p>However, due to the banking restructuring and mergers, the local banks remaining were UOB, OCBC, DBS-POSB as the shareholders of NETS with Standard Chartered Bank to offer NETS to their customers. However, DBS and POSB customers can use their network ATMs on their own and not be shared with UOB, OCBC or SCB (StanChart). The mega failure of 5 July 2010 of POSB-DBS ATM Networks (about 97,000 machines) made the government to rethink the shared ATM system again as it affected the NETS system too. </p><p>In 2010, in line with the mandatory EMV system, Local Singapore Banks started to reissue their Debit Visa/MasterCard branded debit cards with EMV Chip compliant ones to replace the magnetic stripe system. Banks involved included NETS Members of POSB-DBS, UOB-OCBC-SCB along with the SharedATM alliance (NON-NETS) of HSBC, Citibank, State Bank of India, and Maybank. Standard Chartered Bank (SCB) is also a SharedATM alliance member. Non branded cards of POSB and Maybank local ATM Cards are kept without a chip but have a Plus or Maestro sign which can be used to withdraw cash locally or overseas. </p><p>Maybank Debit MasterCards can be used in Malaysia just like a normal ATM or Debit MEPS card. </p><p>Singapore also uses the e-purse systems of NETS CASHCARD and the CEPAS wave system by <a href="/wiki/EZ-Link" title="EZ-Link">EZ-Link</a> and NETS. </p> <div class="mw-heading mw-heading3"><h3 id="South_Korea">South Korea</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=66" title="Edit section: South Korea"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>There are two kinds of debit cards are in South Korea; 'Debit card' Issued by bank, and 'Check card' Issued by card company. Debit cards are only accepted in debit networks such as <a href="/wiki/Shinsegae" title="Shinsegae">Shinsegae</a> and <a href="/wiki/E-mart" class="mw-redirect" title="E-mart">e-mart</a>. Check cards are accepted in every stores accept credit cards. Korean debit cards do not accept offline Debit(credit) transactions domestically, so every transactions must made by real time. </p> <div class="mw-heading mw-heading3"><h3 id="Spain">Spain</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=67" title="Edit section: Spain"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Debit cards are accepted in a relatively large number of stores, both large and small, in Spain. Banks often offer debit cards for small fees in connection with a checking account. These cards are used more often than credit cards at ATMs because it is a cheaper alternative. </p> <div class="mw-heading mw-heading3"><h3 id="Sweden">Sweden</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=68" title="Edit section: Sweden"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Debit cards are common in Sweden as they are traditionally issued by your bank who in turn normally cooperates with either <a href="/wiki/Visa_Debit" title="Visa Debit">Visa Debit</a>, <a href="/wiki/Visa_Electron" title="Visa Electron">Visa Electron</a>, <a href="/wiki/Debit_MasterCard" class="mw-redirect" title="Debit MasterCard">Debit MasterCard</a>, or <a href="/wiki/Mastercard_Maestro" class="mw-redirect" title="Mastercard Maestro">Mastercard Maestro</a>. Thus, ATM's and stores in Sweden accept these debit cards if they accept card payments with only rare exceptions. </p> <div class="mw-heading mw-heading3"><h3 id="Taiwan">Taiwan</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=69" title="Edit section: Taiwan"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Most banks issue major-brand debit cards that can be used internationally such as <a href="/wiki/Visa_Debit" title="Visa Debit">Visa</a>, <a href="/wiki/MasterCard" class="mw-redirect" title="MasterCard">MasterCard</a> and <a href="/wiki/JCB_(credit_card_company)" title="JCB (credit card company)">JCB</a>, often with contactless functionality. Payments at brick-and-mortar stores generally require a signature except for contactless payments. </p><p>A separate, local debit system, known as Smart Pay, can be used by the majority of debit and ATM cards, even major-brand cards. This system is available only in Taiwan and a few locations in Japan as of 2016. Non-contactless payments require a PIN instead of a signature. Cards from a few banks support contactless payment with Smart Pay. </p> <div class="mw-heading mw-heading3"><h3 id="Togo">Togo</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=70" title="Edit section: Togo"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Economic_Community_of_West_African_States#West_African_Economic_and_Monetary_Union" class="mw-redirect" title="Economic Community of West African States">Economic Community of West African States § West African Economic and Monetary Union</a></div> <div class="mw-heading mw-heading3"><h3 id="Turkey">Turkey</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=71" title="Edit section: Turkey"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Troy_(card_scheme)" title="Troy (card scheme)">Troy (card scheme)</a></div> <div class="mw-heading mw-heading3"><h3 id="UAE">UAE</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=72" title="Edit section: UAE"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Debit cards are widely accepted from different debit card issuers including the <a href="/wiki/Network_International" title="Network International">Network International</a> local subsidiary of <a href="/wiki/Emirates_Bank" class="mw-redirect" title="Emirates Bank">Emirates Bank</a>. </p> <div class="mw-heading mw-heading3"><h3 id="United_Kingdom">United Kingdom</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=73" title="Edit section: United Kingdom"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In the <a href="/wiki/United_Kingdom" title="United Kingdom">UK</a> debit cards (an integrated EFTPOS system) are an established part of the retail market and are widely accepted by both physical and internet stores. The term EFTPOS is not widely used by the public; "debit card" is the generic term used. Debit cards issued are predominantly <a href="/wiki/Visa_Debit" title="Visa Debit">Visa Debit</a>, with <a href="/wiki/Debit_Mastercard" title="Debit Mastercard">Debit Mastercard</a> becoming increasingly common. <a href="/wiki/Maestro_(debit_card)" title="Maestro (debit card)">Maestro</a>, <a href="/wiki/Visa_Electron" title="Visa Electron">Visa Electron</a> and <a href="/wiki/UnionPay" title="UnionPay">UnionPay</a> are also in circulation. Banks do not charge customers for EFTPOS transactions in the UK, but some retailers used to make small charges, particularly for small transaction amounts. However, the UK Government introduced legislation on 13 January 2018 banning all surcharges for card payments, including those made online and through services such as <a href="/wiki/PayPal" title="PayPal">PayPal</a>.<sup id="cite_ref-79" class="reference"><a href="#cite_note-79"><span class="cite-bracket">[</span>79<span class="cite-bracket">]</span></a></sup> The UK has converted all debit cards in circulation to <a href="/wiki/EMV" title="EMV">Chip and PIN</a> (except for Chip and Signature cards issued to people with certain disabilities and non-reloadable prepaid cards), based on the <a href="/wiki/EMV" title="EMV">EMV</a> standard, to increase transaction security; however, PINs are not required for Internet transactions (though some banks employ additional security measures for online transactions such as Verified by Visa and MasterCard Secure Code), nor for most contactless transactions. </p><p>In the United Kingdom, banks started to issue debit cards in the mid-1980s to reduce the number of cheques being used at the point of sale, which are costly for the banks to process; the first bank to do so was <a href="/wiki/Barclays" title="Barclays">Barclays</a> with the <i>Barclays Connect</i> card. As in most countries, fees paid by merchants in the UK to accept credit cards are a percentage of the transaction amount,<sup id="cite_ref-electronic-payments.co.uk_80-0" class="reference"><a href="#cite_note-electronic-payments.co.uk-80"><span class="cite-bracket">[</span>80<span class="cite-bracket">]</span></a></sup> which funds cardholders' interest-free credit periods as well as incentive schemes such as points or cashback. For consumer credit cards issued within the EEA, the interchange fee is capped at 0.3%, with a cap of 0.2% for debit cards, although the merchant acquirers may charge the merchant a higher fee. Most debit cards in the UK lack the advantages offered to holders of UK-issued credit cards, such as free incentives (points, cashback etc.; the <a href="/wiki/Tesco_Bank" title="Tesco Bank">Tesco Bank</a> debit card was one exception), interest-free credit and protection against defaulting merchants under <a rel="nofollow" class="external text" href="http://www.legislation.gov.uk/ukpga/1974/39/section/75">Section 75 of the Consumer Credit Act 1974</a>. Almost all establishments in the UK that accept credit cards also accept debit cards. Some merchants, for cost reasons, accept debit cards but not credit cards, and some smaller retailers only accept card payments for purchases above a certain value, typically £5 or £10. </p><p>The 21st century has seen an increase in Challenger banks in the United Kingdom, with benefits including fee-free overseas spending. Notable challenger banks include <a href="/wiki/Monzo" title="Monzo">Monzo</a>, <a href="/wiki/Revolut" title="Revolut">Revolut</a> and <a href="/wiki/Starling_Bank" title="Starling Bank">Starling Bank</a>. </p> <div class="mw-heading mw-heading3"><h3 id="UEMOA">UEMOA</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=74" title="Edit section: UEMOA"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Economic_Community_of_West_African_States#West_African_Economic_and_Monetary_Union" class="mw-redirect" title="Economic Community of West African States">Economic Community of West African States § West African Economic and Monetary Union</a></div> <p>It is the West Africa Economic and Monetary Union federating eight countries: <a href="/wiki/Benin" title="Benin">Benin</a>, <a href="/wiki/Burkina_Faso" title="Burkina Faso">Burkina Faso</a>, <a href="/wiki/Ivory_Coast" title="Ivory Coast">Ivory Coast</a>, <a href="/wiki/Guinea-Bissau" title="Guinea-Bissau">Guinea-Bissau</a>, <a href="/wiki/Mali" title="Mali">Mali</a>, <a href="/wiki/Niger" title="Niger">Niger</a>, <a href="/wiki/Senegal" title="Senegal">Senegal</a> and <a href="/wiki/Togo" title="Togo">Togo</a>. </p><p>GIM-UEMOA is the regional switch federating more than 120 members (banks, microfinances, electronic money issuers, etc.). All interbank cards transactions between banks in the same country or between banks in two different countries UEMOA zone are routed and cleared by GIM-UEMOA. The settlement is done on Central Bank RTGS. </p><p>GIM-UEMOA also provides some processing products and services to more than 50 banks in UEMOA zone and out of UEMOA zone. </p> <div class="mw-heading mw-heading3"><h3 id="United_States">United States</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=75" title="Edit section: United States"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In the U.S., EFTPOS is universally referred to simply as <i>debit</i>. The largest pre-paid debit card company is <a href="/wiki/Green_Dot_Corporation" title="Green Dot Corporation">Green Dot Corporation</a>, by <a href="/wiki/Market_capitalization" title="Market capitalization">market capitalization</a>.<sup id="cite_ref-GreenDot1_81-0" class="reference"><a href="#cite_note-GreenDot1-81"><span class="cite-bracket">[</span>81<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-GreenDot2_82-0" class="reference"><a href="#cite_note-GreenDot2-82"><span class="cite-bracket">[</span>82<span class="cite-bracket">]</span></a></sup> The same <a href="/wiki/Interbank_network" title="Interbank network">interbank networks</a> that operate the <a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">ATM</a> network also operate the POS network. Most interbank networks, such as <a href="/wiki/Pulse_(interbank_network)" title="Pulse (interbank network)">Pulse</a>, <a href="/wiki/NYCE" title="NYCE">NYCE</a>, <a href="/wiki/Money_Access_Center" title="Money Access Center">MAC</a>, <a href="/wiki/Tyme" class="mw-redirect" title="Tyme">Tyme</a>, <a href="/wiki/SHAZAM_(interbank_network)" title="SHAZAM (interbank network)">SHAZAM</a>, <a href="/wiki/STAR_(interbank_network)" title="STAR (interbank network)">STAR</a>, and so on, are regional and do not overlap, however, most ATM/POS networks have agreements to accept each other's cards. This means that cards issued by one network will typically work anywhere they accept ATM/POS cards for payment. For example, a NYCE card will work at a Pulse POS terminal or ATM, and vice versa. Debit cards in the United States are usually issued with a Visa, MasterCard, <a href="/wiki/Discover_Card" title="Discover Card">Discover</a><sup id="cite_ref-83" class="reference"><a href="#cite_note-83"><span class="cite-bracket">[</span>83<span class="cite-bracket">]</span></a></sup> or <a href="/wiki/American_Express" title="American Express">American Express</a><sup id="cite_ref-84" class="reference"><a href="#cite_note-84"><span class="cite-bracket">[</span>84<span class="cite-bracket">]</span></a></sup> logo allowing use of their signature-based networks. In 2018, there were 5.836 billion debit cards in circulation in the U.S., and 71.7% were prepaid cards.<sup id="cite_ref-85" class="reference"><a href="#cite_note-85"><span class="cite-bracket">[</span>85<span class="cite-bracket">]</span></a></sup> </p><p>U.S. Federal law caps the liability of a U.S. debit card user in case of loss or theft at US$50 if the loss or theft is reported to the issuing bank in two business days after the customer notices the loss.<sup id="cite_ref-86" class="reference"><a href="#cite_note-86"><span class="cite-bracket">[</span>86<span class="cite-bracket">]</span></a></sup> Most banks will, however, set this limit to $0 for debit cards issued to their customers which are linked to their <a href="/wiki/Checking_account" class="mw-redirect" title="Checking account">checking</a> or <a href="/wiki/Savings_account" title="Savings account">savings account</a>.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (December 2016)">citation needed</span></a></i>]</sup> Unlike credit cards, loss or theft reported more than two business days after being discovered is capped at $500 (vs. $50 for credit cards), and if reported more than 60 calendar days after the statement is sent all the money in the account may be lost.<sup id="cite_ref-87" class="reference"><a href="#cite_note-87"><span class="cite-bracket">[</span>87<span class="cite-bracket">]</span></a></sup> </p><p>The fees charged to merchants for offline debit purchases vis-à-vis the lack of fees charged to merchants for processing online debit purchases and paper checks have prompted some major merchants in the U.S. to file <a href="/wiki/Lawsuit" title="Lawsuit">lawsuits</a> against debit-card transaction processors, such as Visa and MasterCard. In 2003, Visa and MasterCard agreed to <a href="/wiki/Settlement_(law)" class="mw-redirect" title="Settlement (law)">settle</a> the largest of these lawsuits for $2 billion and $1 billion, respectively.<sup id="cite_ref-88" class="reference"><a href="#cite_note-88"><span class="cite-bracket">[</span>88<span class="cite-bracket">]</span></a></sup> </p><p>Some consumers prefer "credit" transactions because of the lack of a fee charged to the consumer/purchaser. A few debit cards in the U.S. offer rewards for using "credit". However, since "credit" transactions cost more for merchants, many terminals at PIN-accepting merchant locations now make the "credit" function more difficult to access. </p><p>As a result of the <a href="/wiki/Dodd%E2%80%93Frank_Wall_Street_Reform_and_Consumer_Protection_Act" title="Dodd–Frank Wall Street Reform and Consumer Protection Act">Dodd–Frank Wall Street Reform and Consumer Protection Act</a>, U.S. merchants can now set a minimum purchase amount for credit card transactions, as long as it does not exceed $10.<sup id="cite_ref-89" class="reference"><a href="#cite_note-89"><span class="cite-bracket">[</span>89<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-90" class="reference"><a href="#cite_note-90"><span class="cite-bracket">[</span>90<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading4"><h4 id="FSA,_HRA,_and_HSA_debit_cards"><span id="FSA.2C_HRA.2C_and_HSA_debit_cards"></span>FSA, HRA, and HSA debit cards</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=76" title="Edit section: FSA, HRA, and HSA debit cards"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In the United States, an <a href="/wiki/FSA_debit_card" title="FSA debit card">FSA debit card</a> only allow medical expenses. It is used by some banks for withdrawals from their healthcare<sup id="cite_ref-FSAvsHSA_rollovers_91-0" class="reference"><a href="#cite_note-FSAvsHSA_rollovers-91"><span class="cite-bracket">[</span>91<span class="cite-bracket">]</span></a></sup> FSAs (Flexible Savings Account)<sup id="cite_ref-92" class="reference"><a href="#cite_note-92"><span class="cite-bracket">[</span>92<span class="cite-bracket">]</span></a></sup> <a href="/wiki/Medical_savings_account" title="Medical savings account">medical savings accounts</a> (MSA), and <a href="/wiki/Health_savings_account" title="Health savings account">health savings accounts</a> (HSA) as well. They have <a href="/wiki/Visa_(company)" class="mw-redirect" title="Visa (company)">Visa</a> or MasterCard logos, but cannot be used as "debit cards", only as "credit cards". Furthermore, they are not accepted by all merchants that accept debit and credit cards, but only by those that specifically accept FSA debit cards. Merchant codes and product codes are used at the point of sale (required by law by certain merchants by certain states in the U.S.) to restrict sales if they do not qualify.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (December 2016)">citation needed</span></a></i>]</sup> Because of the extra checking and documenting that goes on, later, the statement can be used to <a href="/wiki/Balance_sheet_substantiation" class="mw-redirect" title="Balance sheet substantiation">substantiate</a> these purchases for tax deductions. In the occasional instance that a qualifying purchase is rejected, another form of payment must be used (a check or payment from another account and a claim for reimbursement later). In the more likely case that non-qualifying items are accepted, the consumer is technically still responsible, and the discrepancy could be revealed during an audit. A small but growing segment of the debit card business in the U.S. involves access to tax-favored spending accounts such as FSAs, HRAs, and HSAs. Most of these debit cards are for medical expenses, though a few are also issued for dependent care and transportation expenses. </p><p>Traditionally, FSAs (the oldest of these accounts) were accessed only through claims for reimbursement after incurring, and often paying, an out-of-pocket expense; this often happens after the funds have already been deducted from the employee's paycheck. (FSAs are usually funded by payroll deduction.) The only method permitted by the <a href="/wiki/Internal_Revenue_Service" title="Internal Revenue Service">Internal Revenue Service</a> (IRS) to avoid this "double-dipping" for medical FSAs and HRAs is through accurate and auditable reporting on the tax return. Statements on the debit card that say "for medical uses only" are invalid for several reasons: (1) The merchant and issuing banks have no way of quickly determining whether the entire purchase qualifies for the customer's type of tax benefit; (2) the customer also has no quick way of knowing; often has mixed purchases by necessity or convenience; and can easily make mistakes; (3) extra contractual clauses between the customer and issuing bank would cross-over into the payment processing standards, creating additional confusion (for example if a customer was penalized for accidentally purchasing a non-qualifying item, it would undercut the potential savings advantages of the account). Therefore, using the card exclusively for qualifying purchases may be convenient for the customer, but it has nothing to do with how the card can actually be used. If the bank rejects a transaction, for instance, because it is not at a recognized drug store, then it would be causing harm and confusion to the cardholder. In the United States, not all medical service or supply stores are capable of providing the correct information so an FSA debit card issuer can honor every transaction-if rejected or documentation is not deemed enough to satisfy regulations, cardholders may have to send in forms manually. </p><p>One difference between FSAs and HSAs is the matter of yearend and rollovers: FSAs began as per calendar year, although by 2013 rollovers were introduced.<sup id="cite_ref-FSAvsHSA_rollovers_91-1" class="reference"><a href="#cite_note-FSAvsHSA_rollovers-91"><span class="cite-bracket">[</span>91<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Uruguay">Uruguay</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=77" title="Edit section: Uruguay"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Debit cards are accepted in a relatively large number of stores, both large and small in Uruguay; but their use has so far remained low as compared to credit cards at ATMs. Since August 2014, with the <a href="/wiki/Taxation_in_Uruguay" title="Taxation in Uruguay">Financial Inclusion Law</a> coming into force, end consumers obtain a 4% VAT deduction for using debit cards in their purchases.<sup id="cite_ref-93" class="reference"><a href="#cite_note-93"><span class="cite-bracket">[</span>93<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Venezuela">Venezuela</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=78" title="Edit section: Venezuela"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>There has been a lack of cash due to the <a href="/wiki/Crisis_in_Venezuela" title="Crisis in Venezuela">Venezuelan economic crisis</a> and thus the demand for and use of debit cards has increased greatly in recent years. One reason why a noticeable percentage of businesses have closed is a lack of <a href="/wiki/Payment_terminal" title="Payment terminal">payment terminals</a>. The most used brands are <a href="/wiki/Maestro_(debit_card)" title="Maestro (debit card)">Maestro (debit card)</a><sup id="cite_ref-94" class="reference"><a href="#cite_note-94"><span class="cite-bracket">[</span>94<span class="cite-bracket">]</span></a></sup> and Visa Electron. </p> <div class="mw-heading mw-heading3"><h3 id="Vietnam">Vietnam</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=79" title="Edit section: Vietnam"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In <a href="/wiki/Vietnam" title="Vietnam">Vietnam</a>, debit cards are issued by banks in collaboration with the National Payment Corporation of Vietnam, abbreviated as NAPAS.<sup id="cite_ref-95" class="reference"><a href="#cite_note-95"><span class="cite-bracket">[</span>95<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-96" class="reference"><a href="#cite_note-96"><span class="cite-bracket">[</span>96<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-97" class="reference"><a href="#cite_note-97"><span class="cite-bracket">[</span>97<span class="cite-bracket">]</span></a></sup> Most banks issue this type of card.<sup id="cite_ref-98" class="reference"><a href="#cite_note-98"><span class="cite-bracket">[</span>98<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-99" class="reference"><a href="#cite_note-99"><span class="cite-bracket">[</span>99<span class="cite-bracket">]</span></a></sup> Customers can simply go to the nearest branch to register or open a debit card online.<sup id="cite_ref-100" class="reference"><a href="#cite_note-100"><span class="cite-bracket">[</span>100<span class="cite-bracket">]</span></a></sup> VISA Debit and Mastercard Debit are the most widely issued cards in <a href="/wiki/Vietnam" title="Vietnam">Vietnam</a>.<sup id="cite_ref-101" class="reference"><a href="#cite_note-101"><span class="cite-bracket">[</span>101<span class="cite-bracket">]</span></a></sup> </p><p>As of June 2023, there are over 94 million debit cards in circulation in <a href="/wiki/Vietnam" title="Vietnam">Vietnam</a>.<sup id="cite_ref-102" class="reference"><a href="#cite_note-102"><span class="cite-bracket">[</span>102<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-103" class="reference"><a href="#cite_note-103"><span class="cite-bracket">[</span>103<span class="cite-bracket">]</span></a></sup> The number of cards is growing at an average rate of 18% per year.<sup id="cite_ref-104" class="reference"><a href="#cite_note-104"><span class="cite-bracket">[</span>104<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-105" class="reference"><a href="#cite_note-105"><span class="cite-bracket">[</span>105<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-106" class="reference"><a href="#cite_note-106"><span class="cite-bracket">[</span>106<span class="cite-bracket">]</span></a></sup> The transaction value reached over 1,200 trillion VND per year.<sup id="cite_ref-107" class="reference"><a href="#cite_note-107"><span class="cite-bracket">[</span>107<span class="cite-bracket">]</span></a></sup> More than 80% of transactions are made at <a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">ATMs</a>.<sup id="cite_ref-108" class="reference"><a href="#cite_note-108"><span class="cite-bracket">[</span>108<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-109" class="reference"><a href="#cite_note-109"><span class="cite-bracket">[</span>109<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="See_also">See also</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=80" title="Edit section: See also"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1259569809">.mw-parser-output .portalbox{padding:0;margin:0.5em 0;display:table;box-sizing:border-box;max-width:175px;list-style:none}.mw-parser-output .portalborder{border:1px solid var(--border-color-base,#a2a9b1);padding:0.1em;background:var(--background-color-neutral-subtle,#f8f9fa)}.mw-parser-output .portalbox-entry{display:table-row;font-size:85%;line-height:110%;height:1.9em;font-style:italic;font-weight:bold}.mw-parser-output .portalbox-image{display:table-cell;padding:0.2em;vertical-align:middle;text-align:center}.mw-parser-output .portalbox-link{display:table-cell;padding:0.2em 0.2em 0.2em 0.3em;vertical-align:middle}@media(min-width:720px){.mw-parser-output .portalleft{clear:left;float:left;margin:0.5em 1em 0.5em 0}.mw-parser-output .portalright{clear:right;float:right;margin:0.5em 0 0.5em 1em}}</style><ul role="navigation" aria-label="Portals" class="noprint portalbox portalborder portalright"> <li class="portalbox-entry"><span class="portalbox-image"><span class="noviewer" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/4/46/United_States_penny%2C_obverse%2C_2002.png/28px-United_States_penny%2C_obverse%2C_2002.png" decoding="async" width="28" height="28" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/4/46/United_States_penny%2C_obverse%2C_2002.png/42px-United_States_penny%2C_obverse%2C_2002.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/4/46/United_States_penny%2C_obverse%2C_2002.png/56px-United_States_penny%2C_obverse%2C_2002.png 2x" data-file-width="903" data-file-height="901" /></span></span></span><span class="portalbox-link"><a href="/wiki/Portal:Numismatics" title="Portal:Numismatics">Numismatics portal</a></span></li><li class="portalbox-entry"><span class="portalbox-image"><span class="noviewer" typeof="mw:File"><a href="/wiki/File:Emblem-money.svg" class="mw-file-description"><img alt="icon" src="//upload.wikimedia.org/wikipedia/commons/thumb/f/f3/Emblem-money.svg/28px-Emblem-money.svg.png" decoding="async" width="28" height="28" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/f/f3/Emblem-money.svg/42px-Emblem-money.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/f/f3/Emblem-money.svg/56px-Emblem-money.svg.png 2x" data-file-width="48" data-file-height="48" /></a></span></span><span class="portalbox-link"><a href="/wiki/Portal:Business_and_Economics" class="mw-redirect" title="Portal:Business and Economics">Business and Economics portal</a></span></li></ul> <style data-mw-deduplicate="TemplateStyles:r1184024115">.mw-parser-output .div-col{margin-top:0.3em;column-width:30em}.mw-parser-output .div-col-small{font-size:90%}.mw-parser-output .div-col-rules{column-rule:1px solid #aaa}.mw-parser-output .div-col dl,.mw-parser-output .div-col ol,.mw-parser-output .div-col ul{margin-top:0}.mw-parser-output .div-col li,.mw-parser-output .div-col dd{page-break-inside:avoid;break-inside:avoid-column}</style><div class="div-col" style="column-width: 22em;"> <ul><li><a href="/wiki/Card_(disambiguation)" class="mw-redirect mw-disambig" title="Card (disambiguation)">Card (disambiguation)</a></li> <li><a href="/wiki/ATM_card" title="ATM card">ATM card</a></li> <li><a href="/wiki/Cantaloupe,_Inc." title="Cantaloupe, Inc.">Cantaloupe, Inc.</a></li> <li><a href="/wiki/Charge_card" title="Charge card">Charge card</a></li> <li><a href="/wiki/Credit_card" title="Credit card">Credit card</a></li> <li><a href="/wiki/Debit_card_cashback" title="Debit card cashback">Debit card cashback</a></li> <li><a href="/wiki/Electronic_funds_transfer" title="Electronic funds transfer">Electronic funds transfer</a></li> <li><a href="/wiki/Electronic_Payment_Services" title="Electronic Payment Services">Electronic Payment Services</a></li> <li><a href="/wiki/EPAS" title="EPAS">EPAS</a></li> <li><a href="/wiki/Interac" title="Interac">Interac</a></li> <li><a href="/wiki/Inventory_information_approval_system" class="mw-redirect" title="Inventory information approval system">Inventory information approval system</a>, a <a href="/wiki/Point-of-sale" class="mw-redirect" title="Point-of-sale">point-of-sale</a> technology used with <a href="/wiki/FSA_debit_card" title="FSA debit card">FSA debit cards</a></li> <li><a href="/wiki/Payment_card" title="Payment card">Payment card</a></li> <li><a href="/wiki/Payments_Council" title="Payments Council">Payments Council</a></li> <li><a href="/wiki/Payoneer" title="Payoneer">Payoneer</a></li> <li><a href="/wiki/Point-of-sale" class="mw-redirect" title="Point-of-sale">Point-of-sale</a> (POS)</li></ul> </div> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Debit_card&action=edit&section=81" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output .reflist-lower-alpha{list-style-type:lower-alpha}.mw-parser-output .reflist-lower-greek{list-style-type:lower-greek}.mw-parser-output .reflist-lower-roman{list-style-type:lower-roman}</style><div class="reflist"> <div class="mw-references-wrap mw-references-columns"><ol class="references"> <li id="cite_note-XferAlmostImmed-1"><span class="mw-cite-backlink">^ <a href="#cite_ref-XferAlmostImmed_1-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-XferAlmostImmed_1-1"><sup><i><b>b</b></i></sup></a></span> <span class="reference-text"><style data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-free a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-limited a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-registration a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite id="CITEREFNancy_Lloyd2000" class="citation news cs1">Nancy Lloyd (September 3, 2000). <a rel="nofollow" class="external text" href="https://archive.nytimes.com/www.nytimes.com/library/financial/personal/090300personal-card-sidebar.html">"Adding Up the Drawbacks of a Credit Card That Isn't"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20220728175151/https://archive.nytimes.com/www.nytimes.com/library/financial/personal/090300personal-card-sidebar.html">Archived</a> from the original on July 28, 2022<span class="reference-accessdate">. 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Retrieved <span class="nowrap">July 27,</span> 2022</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+New+York+Times&rft.atitle=Overdraft+Protection%3A+Why+Bother%3F&rft.date=2010-03-12&rft.au=Ron+Lieber&rft_id=https%3A%2F%2Fwww.nytimes.com%2F2010%2F03%2F13%2Fyour-money%2Fcredit-and-debit-cards%2F13money.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-18"><span class="mw-cite-backlink"><b><a href="#cite_ref-18">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://us.cnn.com/2022/02/16/cnn-underscored/money/best-credit-cards-college-students/index.html">"These are our favorite credit cards for college students"</a>. 16 February 2022. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20220224205636/https://us.cnn.com/2022/02/16/cnn-underscored/money/best-credit-cards-college-students/index.html">Archived</a> from the original on 24 February 2022<span class="reference-accessdate">. Retrieved <span class="nowrap">23 February</span> 2022</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=These+are+our+favorite+credit+cards+for+college+students&rft.date=2022-02-16&rft_id=https%3A%2F%2Fus.cnn.com%2F2022%2F02%2F16%2Fcnn-underscored%2Fmoney%2Fbest-credit-cards-college-students%2Findex.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-19"><span class="mw-cite-backlink"><b><a href="#cite_ref-19">^</a></b></span> <span class="reference-text">"a tool to keep you from spending more than their balance."</span> </li> <li id="cite_note-CredUnCLI-20"><span class="mw-cite-backlink"><b><a href="#cite_ref-CredUnCLI_20-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFRyan_BubbAlex_Kaufman2009" class="citation news cs1">Ryan Bubb; Alex Kaufman (June 22, 2009). <a rel="nofollow" class="external text" href="https://www.nytimes.com/2009/06/23/opinion/23kaufman.html">"A Fairer Credit Card? Priceless"</a>. <i><a href="/wiki/The_New_York_Times" title="The New York Times">The New York Times</a></i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20220727021144/https://www.nytimes.com/2009/06/23/opinion/23kaufman.html">Archived</a> from the original on July 27, 2022<span class="reference-accessdate">. Retrieved <span class="nowrap">July 26,</span> 2022</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+New+York+Times&rft.atitle=A+Fairer+Credit+Card%3F+Priceless&rft.date=2009-06-22&rft.au=Ryan+Bubb&rft.au=Alex+Kaufman&rft_id=https%3A%2F%2Fwww.nytimes.com%2F2009%2F06%2F23%2Fopinion%2F23kaufman.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-21"><span class="mw-cite-backlink"><b><a href="#cite_ref-21">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFFarmer2022" class="citation web cs1">Farmer, Clare (2022-01-11). <a rel="nofollow" class="external text" href="https://legalvision.co.uk/employment/pay-cash-in-hand/">"Is It Legal to Pay Employees in Cash in Hand?"</a>. <i>LegalVision UK</i><span class="reference-accessdate">. Retrieved <span class="nowrap">2023-05-23</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=LegalVision+UK&rft.atitle=Is+It+Legal+to+Pay+Employees+in+Cash+in+Hand%3F&rft.date=2022-01-11&rft.aulast=Farmer&rft.aufirst=Clare&rft_id=https%3A%2F%2Flegalvision.co.uk%2Femployment%2Fpay-cash-in-hand%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-22"><span class="mw-cite-backlink"><b><a href="#cite_ref-22">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://g1.globo.com/economia/seu-dinheiro/noticia/2014/05/cartoes-de-debito-superam-barreira-dos-100-milhoes-em-2013-diz-bc.html">"Cartões de débito superam barreira dos 100 milhões em 2013, diz BC"</a>. 12 May 2014. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20160806220640/http://g1.globo.com/economia/seu-dinheiro/noticia/2014/05/cartoes-de-debito-superam-barreira-dos-100-milhoes-em-2013-diz-bc.html">Archived</a> from the original on 6 August 2016<span class="reference-accessdate">. Retrieved <span class="nowrap">5 June</span> 2016</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Cart%C3%B5es+de+d%C3%A9bito+superam+barreira+dos+100+milh%C3%B5es+em+2013%2C+diz+BC&rft.date=2014-05-12&rft_id=http%3A%2F%2Fg1.globo.com%2Feconomia%2Fseu-dinheiro%2Fnoticia%2F2014%2F05%2Fcartoes-de-debito-superam-barreira-dos-100-milhoes-em-2013-diz-bc.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-23"><span class="mw-cite-backlink"><b><a href="#cite_ref-23">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.unicreditbulbank.bg/en/individual-clients/bank-cards/debit-cards/">"Bank Cards - UniCredit Bulbank"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20190602184844/https://www.unicreditbulbank.bg/en/individual-clients/bank-cards/debit-cards/">Archived</a> from the original on 2019-06-02<span class="reference-accessdate">. Retrieved <span class="nowrap">2019-06-02</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Bank+Cards+-+UniCredit+Bulbank&rft_id=https%3A%2F%2Fwww.unicreditbulbank.bg%2Fen%2Findividual-clients%2Fbank-cards%2Fdebit-cards%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-24"><span class="mw-cite-backlink"><b><a href="#cite_ref-24">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20190602185224/https://www.bcard.bg/en/clients/accept">"Archived copy"</a>. Archived from <a rel="nofollow" class="external text" href="https://www.bcard.bg/en/clients/accept">the original</a> on 2019-06-02<span class="reference-accessdate">. Retrieved <span class="nowrap">2019-06-02</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Archived+copy&rft_id=https%3A%2F%2Fwww.bcard.bg%2Fen%2Fclients%2Faccept&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span><span class="cs1-maint citation-comment"><code class="cs1-code">{{<a href="/wiki/Template:Cite_web" title="Template:Cite web">cite web</a>}}</code>: CS1 maint: archived copy as title (<a href="/wiki/Category:CS1_maint:_archived_copy_as_title" title="Category:CS1 maint: archived copy as title">link</a>)</span></span> </li> <li id="cite_note-25"><span class="mw-cite-backlink"><b><a href="#cite_ref-25">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.unionpayintl.com/cardholderServ/globalCard/kh/global_3/10050042?type=1">"Global UnionPay Card"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200729041839/https://www.unionpayintl.com/cardholderServ/globalCard/kh/global_3/10050042?type=1">Archived</a> from the original on 2020-07-29<span class="reference-accessdate">. Retrieved <span class="nowrap">2019-06-02</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Global+UnionPay+Card&rft_id=https%3A%2F%2Fwww.unionpayintl.com%2FcardholderServ%2FglobalCard%2Fkh%2Fglobal_3%2F10050042%3Ftype%3D1&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-26"><span class="mw-cite-backlink"><b><a href="#cite_ref-26">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20190602184839/https://www.fibank.bg/bg/digitalized-cards-mastercard/page/4158">"Fibank - Quick contactless payments with Fibank's digitalized debit and credit Mastercard"</a>. 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Retrieved <span class="nowrap">7 September</span> 2009</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Consumers+and+Changing+Retail+Markets&rft.pub=Canada%E2%80%99s+Office+of+Consumer+Affairs+%28OCA%29&rft.date=2005-07-20&rft_id=http%3A%2F%2Fwww.ic.gc.ca%2Feic%2Fsite%2Foca-bc.nsf%2Feng%2Fca02096.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-28"><span class="mw-cite-backlink"><b><a href="#cite_ref-28">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.interac.ca/en/consumers/products/interac-debit/cross-border/">"Pay in the U.S. with your card | INTERAC Cross-Border Debit"</a>. <i>Interac</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200229200738/https://www.interac.ca/en/consumers/products/interac-debit/cross-border/">Archived</a> from the original on 2020-02-29<span class="reference-accessdate">. Retrieved <span class="nowrap">2020-02-29</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Interac&rft.atitle=Pay+in+the+U.S.+with+your+card+%7C+INTERAC+Cross-Border+Debit&rft_id=https%3A%2F%2Fwww.interac.ca%2Fen%2Fconsumers%2Fproducts%2Finterac-debit%2Fcross-border%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-29"><span class="mw-cite-backlink"><b><a href="#cite_ref-29">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.nyce.net/en/consumers/canadian">"Canadian debit cardholders can shop in the US"</a>. <i>www.nyce.net</i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20200229200746/https://www.nyce.net/en/consumers/canadian">Archived</a> from the original on 2020-02-29<span class="reference-accessdate">. Retrieved <span class="nowrap">2020-02-29</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=www.nyce.net&rft.atitle=Canadian+debit+cardholders+can+shop+in+the+US&rft_id=http%3A%2F%2Fwww.nyce.net%2Fen%2Fconsumers%2Fcanadian&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-td-debit-30"><span class="mw-cite-backlink"><b><a href="#cite_ref-td-debit_30-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFThe_Toronto-Dominion_Bank" class="citation web cs1"><a href="/wiki/Toronto-Dominion_Bank" title="Toronto-Dominion Bank">The Toronto-Dominion Bank</a>. <a rel="nofollow" class="external text" href="http://www.tdcanadatrust.com/products-services/banking/electronic-banking/access-card/access-card.jsp">"Your new TD Access Card"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20130426202202/http://www.tdcanadatrust.com/products-services/banking/electronic-banking/access-card/access-card.jsp">Archived</a> from the original on 2013-04-26<span class="reference-accessdate">. Retrieved <span class="nowrap">2012-07-17</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Your+new+TD+Access+Card&rft.au=The+Toronto-Dominion+Bank&rft_id=http%3A%2F%2Fwww.tdcanadatrust.com%2Fproducts-services%2Fbanking%2Felectronic-banking%2Faccess-card%2Faccess-card.jsp&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-cibc-debit-31"><span class="mw-cite-backlink"><b><a href="#cite_ref-cibc-debit_31-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFCanadian_Imperial_Bank_of_Commerce" class="citation web cs1"><a href="/wiki/Canadian_Imperial_Bank_of_Commerce" title="Canadian Imperial Bank of Commerce">Canadian Imperial Bank of Commerce</a>. <a rel="nofollow" class="external text" href="https://www.cibc.com/ca/features/cibc-advantage-card.html">"CIBC Advantage Debit Card"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20121113034903/https://www.cibc.com/ca/features/cibc-advantage-card.html">Archived</a> from the original on 2012-11-13<span class="reference-accessdate">. Retrieved <span class="nowrap">2012-07-17</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=CIBC+Advantage+Debit+Card&rft.au=Canadian+Imperial+Bank+of+Commerce&rft_id=https%3A%2F%2Fwww.cibc.com%2Fca%2Ffeatures%2Fcibc-advantage-card.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-scotia-debit-32"><span class="mw-cite-backlink"><b><a href="#cite_ref-scotia-debit_32-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFThe_Bank_of_Nova_Scotia" class="citation web cs1"><a href="/wiki/Scotiabank" title="Scotiabank">The Bank of Nova Scotia</a>. <a rel="nofollow" class="external text" href="http://www.scotiabank.com/ca/en/0,,7771,00.html">"VISA Debit | Scotiabank"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20180308231540/http://www.scotiabank.com/ca/en/0,,7771,00.html">Archived</a> from the original on 2018-03-08<span class="reference-accessdate">. Retrieved <span class="nowrap">2018-03-07</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=VISA+Debit+%7C+Scotiabank&rft.au=The+Bank+of+Nova+Scotia&rft_id=http%3A%2F%2Fwww.scotiabank.com%2Fca%2Fen%2F0%2C%2C7771%2C00.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-rbc-debit-33"><span class="mw-cite-backlink"><b><a href="#cite_ref-rbc-debit_33-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFRoyal_Bank_of_Canada" class="citation web cs1"><a href="/wiki/Royal_Bank_of_Canada" title="Royal Bank of Canada">Royal Bank of Canada</a>. <a rel="nofollow" class="external text" href="http://www.rbcroyalbank.com/visa-debit/index.html">"Introducing RBC Virtual Visa Debit"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20130506131123/http://www.rbcroyalbank.com/visa-debit/index.html">Archived</a> from the original on 2013-05-06<span class="reference-accessdate">. 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Retrieved <span class="nowrap">2012-12-30</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Dankortet+fylder+25+%C3%A5r+i+dag&rft.pub=Version2.dk&rft.date=2008-09&rft.au=Af+Jesper+Stein+Sandal+Mandag%2C+1.+september+2008+-+7%3A09&rft_id=http%3A%2F%2Fwww.version2.dk%2Fartikel%2F8297&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span><span class="cs1-maint citation-comment"><code class="cs1-code">{{<a href="/wiki/Template:Cite_web" title="Template:Cite web">cite web</a>}}</code>: CS1 maint: numeric names: authors list (<a href="/wiki/Category:CS1_maint:_numeric_names:_authors_list" title="Category:CS1 maint: numeric names: authors list">link</a>)</span></span> </li> <li id="cite_note-pbs-aarsrapport-36"><span class="mw-cite-backlink">^ <a href="#cite_ref-pbs-aarsrapport_36-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-pbs-aarsrapport_36-1"><sup><i><b>b</b></i></sup></a> <a href="#cite_ref-pbs-aarsrapport_36-2"><sup><i><b>c</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20090304105811/http://www.pbs.dk/wwcm/resources/file/ebe8a4094bde751/pbs-aarsrapport_2007_DK.pdf">"PBS Årsrapport 2007"</a> <span class="cs1-format">(PDF)</span>. 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Here's What You Need to Know"</a>. <i><a href="/wiki/The_New_York_Times" title="The New York Times">The New York Times</a></i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20220728220648/https://www.nytimes.com/wirecutter/money/change-fsa-contributions-coronavirus/">Archived</a> from the original on July 28, 2022<span class="reference-accessdate">. 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Archived from <a rel="nofollow" class="external text" href="http://www.vatlive.com/americas/uruguay-cuts-vat-rate-bank-card-purchases/">the original</a> on 2016-06-11<span class="reference-accessdate">. Retrieved <span class="nowrap">2014-09-21</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Uruguay+cuts+VAT+rate+on+electronic+purchases&rft.pub=VAT+Live&rft_id=http%3A%2F%2Fwww.vatlive.com%2Famericas%2Furuguay-cuts-vat-rate-bank-card-purchases%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-94"><span class="mw-cite-backlink"><b><a href="#cite_ref-94">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.howitravel.co/maestro">"Maestro Cards: What they are, pros & cons"</a>. October 30, 2019. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20220907174714/https://www.howitravel.co/maestro/">Archived</a> from the original on September 7, 2022<span class="reference-accessdate">. Retrieved <span class="nowrap">July 29,</span> 2022</span>. <q>Maestro is the leading debit card in Venezuela</q></cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Maestro+Cards%3A+What+they+are%2C+pros+%26+cons&rft.date=2019-10-30&rft_id=https%3A%2F%2Fwww.howitravel.co%2Fmaestro&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-95"><span class="mw-cite-backlink"><b><a href="#cite_ref-95">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFcongan.com.vn" class="citation web cs1 cs1-prop-foreign-lang-source">congan.com.vn. <a rel="nofollow" class="external text" href="https://congan.com.vn/thi-truong/ngan-hang/napas-vinh-danh-techcombank-la-ngan-hang-tieu-bieu-nam-2020_103457.html">"Napas vinh danh Techcombank là "Ngân hàng tiêu biểu năm 2020"<span class="cs1-kern-right"></span>"</a>. <i>Báo Công an Thành Phố Hồ Chí Minh</i> (in Vietnamese)<span class="reference-accessdate">. Retrieved <span class="nowrap">2024-02-06</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=B%C3%A1o+C%C3%B4ng+an+Th%C3%A0nh+Ph%E1%BB%91+H%E1%BB%93+Ch%C3%AD+Minh&rft.atitle=Napas+vinh+danh+Techcombank+l%C3%A0+%22Ng%C3%A2n+h%C3%A0ng+ti%C3%AAu+bi%E1%BB%83u+n%C4%83m+2020%22&rft.au=congan.com.vn&rft_id=https%3A%2F%2Fcongan.com.vn%2Fthi-truong%2Fngan-hang%2Fnapas-vinh-danh-techcombank-la-ngan-hang-tieu-bieu-nam-2020_103457.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-96"><span class="mw-cite-backlink"><b><a href="#cite_ref-96">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://vtc.vn/the-napas-la-gi-ar824254.html">"Thẻ NAPAS là gì? Đặc điểm nổi bật của thẻ NAPAS"</a>. <i>Báo điện tử VTC News</i> (in Vietnamese). 2023-10-03<span class="reference-accessdate">. Retrieved <span class="nowrap">2024-02-06</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=B%C3%A1o+%C4%91i%E1%BB%87n+t%E1%BB%AD+VTC+News&rft.atitle=Th%E1%BA%BB+NAPAS+l%C3%A0+g%C3%AC%3F+%C4%90%E1%BA%B7c+%C4%91i%E1%BB%83m+n%E1%BB%95i+b%E1%BA%ADt+c%E1%BB%A7a+th%E1%BA%BB+NAPAS&rft.date=2023-10-03&rft_id=https%3A%2F%2Fvtc.vn%2Fthe-napas-la-gi-ar824254.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-97"><span class="mw-cite-backlink"><b><a href="#cite_ref-97">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://vbpl.vn/nganhangnhanuoc/Pages/vbpq-toanvan.aspx?ItemID=139072">"Ngân hàng Nhà nước Việt Nam"</a>. <i>vbpl.vn</i><span class="reference-accessdate">. Retrieved <span class="nowrap">2024-02-06</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=vbpl.vn&rft.atitle=Ng%C3%A2n+h%C3%A0ng+Nh%C3%A0+n%C6%B0%E1%BB%9Bc+Vi%E1%BB%87t+Nam&rft_id=https%3A%2F%2Fvbpl.vn%2Fnganhangnhanuoc%2FPages%2Fvbpq-toanvan.aspx%3FItemID%3D139072&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-98"><span class="mw-cite-backlink"><b><a href="#cite_ref-98">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFHưng_-2022" class="citation web cs1 cs1-prop-foreign-lang-source">Hưng -, Đào (2022-09-06). <a rel="nofollow" class="external text" href="https://vneconomy.vn/the-tin-dung-noi-dia-dang-no-luc-chiem-thi-phan.htm">"Thẻ tín dụng nội địa đang nỗ lực chiếm thị phần"</a>. <i>Nhịp sống kinh tế Việt Nam & Thế giới</i> (in Vietnamese)<span class="reference-accessdate">. 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Retrieved <span class="nowrap">2024-02-06</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=TUOI+TRE+ONLINE&rft.atitle=Napas+trao+gi%E1%BA%A3i+cho+kh%C3%A1ch+h%C3%A0ng+tr%C3%BAng+th%C6%B0%E1%BB%9Fng+ch%C6%B0%C6%A1ng+tr%C3%ACnh+%27Ng%C3%A0y+kh%C3%B4ng+ti%E1%BB%81n+m%E1%BA%B7t+c%C3%B9ng+th%E1%BA%BB+NAPAS%27&rft.date=2020-08-13&rft.aulast=ONLINE&rft.aufirst=TUOI+TRE&rft_id=https%3A%2F%2Ftuoitre.vn%2Fnapas-trao-giai-cho-khach-hang-trung-thuong-chuong-trinh-ngay-khong-tien-mat-cung-the-napas-20200813104154521.htm&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-100"><span class="mw-cite-backlink"><b><a href="#cite_ref-100">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFVnExpress" class="citation web cs1 cs1-prop-foreign-lang-source">VnExpress. <a rel="nofollow" class="external text" href="https://vnexpress.net/nhan-qua-khi-dang-ky-bidv-smartbanking-4480740.html">"Nhận quà khi đăng ký BIDV SmartBanking"</a>. <i>vnexpress.net</i> (in Vietnamese)<span class="reference-accessdate">. Retrieved <span class="nowrap">2024-02-06</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=vnexpress.net&rft.atitle=Nh%E1%BA%ADn+qu%C3%A0+khi+%C4%91%C4%83ng+k%C3%BD+BIDV+SmartBanking&rft.au=VnExpress&rft_id=https%3A%2F%2Fvnexpress.net%2Fnhan-qua-khi-dang-ky-bidv-smartbanking-4480740.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-101"><span class="mw-cite-backlink"><b><a href="#cite_ref-101">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://www.vib.com.vn/vn/cam-nang/ngan-hang-so/tien-ich-va-trai-nghiem/mastercard-visacard">"Sự khác biệt giữa thẻ MasterCard và Visa Card"</a> (in Vietnamese). 2019-03-28<span class="reference-accessdate">. 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Retrieved <span class="nowrap">2024-02-06</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=thitruongtaichinhtiente.vn&rft.atitle=N%C3%A2ng+cao+hi%E1%BB%87u+qu%E1%BA%A3+qu%E1%BA%A3n+tr%E1%BB%8B+r%E1%BB%A7i+ro+th%E1%BA%BB+trong+k%E1%BB%B7+nguy%C3%AAn+s%E1%BB%91&rft.date=2023-09-08&rft.au=thitruongtaichinhtiente.vn&rft_id=https%3A%2F%2Fthitruongtaichinhtiente.vn%2Fnang-cao-hieu-qua-quan-tri-rui-ro-the-trong-ky-nguyen-so-49963.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-104"><span class="mw-cite-backlink"><b><a href="#cite_ref-104">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://dangcongsan.vn/kinh-te/the-ngan-hang-noi-dia-tang-nhanh-598427.html">"Thẻ ngân hàng nội địa tăng nhanh"</a>. <i>dangcongsan.vn</i><span class="reference-accessdate">. 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Retrieved <span class="nowrap">2024-02-06</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=cafef&rft.atitle=My+prepaid+balance&rft.date=2015-01-21&rft.aulast=Quoc&rft.aufirst=Bao&rft_id=https%3A%2F%2Fmyprepaidbalance.io%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-106"><span class="mw-cite-backlink"><b><a href="#cite_ref-106">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://mof.gov.vn/webcenter/portal/ttpltc/pages_r/l/chi-tiet-tin-ttpltc?dDocName=BTC263168">"Thị trường thẻ: Tiềm năng phát triển còn rất lớn"</a>. <i>mof.gov.vn</i><span class="reference-accessdate">. Retrieved <span class="nowrap">2024-02-06</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=mof.gov.vn&rft.atitle=Th%E1%BB%8B+tr%C6%B0%E1%BB%9Dng+th%E1%BA%BB%3A+Ti%E1%BB%81m+n%C4%83ng+ph%C3%A1t+tri%E1%BB%83n+c%C3%B2n+r%E1%BA%A5t+l%E1%BB%9Bn&rft_id=https%3A%2F%2Fmof.gov.vn%2Fwebcenter%2Fportal%2Fttpltc%2Fpages_r%2Fl%2Fchi-tiet-tin-ttpltc%3FdDocName%3DBTC263168&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-107"><span class="mw-cite-backlink"><b><a href="#cite_ref-107">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFHưng_-2022" class="citation web cs1 cs1-prop-foreign-lang-source">Hưng -, Đào (2022-01-06). <a rel="nofollow" class="external text" href="https://vneconomy.vn/napas-giam-phi-1-200-ty-dong-ho-tro-thi-truong.htm">"NAPAS giảm phí 1.200 tỷ đồng hỗ trợ thị trường"</a>. <i>Nhịp sống kinh tế Việt Nam & Thế giới</i> (in Vietnamese)<span class="reference-accessdate">. Retrieved <span class="nowrap">2024-02-06</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Nh%E1%BB%8Bp+s%E1%BB%91ng+kinh+t%E1%BA%BF+Vi%E1%BB%87t+Nam+%26+Th%E1%BA%BF+gi%E1%BB%9Bi&rft.atitle=NAPAS+gi%E1%BA%A3m+ph%C3%AD+1.200+t%E1%BB%B7+%C4%91%E1%BB%93ng+h%E1%BB%97+tr%E1%BB%A3+th%E1%BB%8B+tr%C6%B0%E1%BB%9Dng&rft.date=2022-01-06&rft.aulast=H%C6%B0ng+-&rft.aufirst=%C4%90%C3%A0o&rft_id=https%3A%2F%2Fvneconomy.vn%2Fnapas-giam-phi-1-200-ty-dong-ho-tro-thi-truong.htm&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-108"><span class="mw-cite-backlink"><b><a href="#cite_ref-108">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1 cs1-prop-foreign-lang-source"><a rel="nofollow" class="external text" href="https://nhandan.vn/post-682601.html">"Đáp ứng nhu cầu rút tiền mặt tại các cây ATM"</a>. <i>Báo Nhân Dân điện tử</i> (in Vietnamese). 2022-01-17<span class="reference-accessdate">. Retrieved <span class="nowrap">2024-02-06</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=B%C3%A1o+Nh%C3%A2n+D%C3%A2n+%C4%91i%E1%BB%87n+t%E1%BB%AD&rft.atitle=%C4%90%C3%A1p+%E1%BB%A9ng+nhu+c%E1%BA%A7u+r%C3%BAt+ti%E1%BB%81n+m%E1%BA%B7t+t%E1%BA%A1i+c%C3%A1c+c%C3%A2y+ATM&rft.date=2022-01-17&rft_id=https%3A%2F%2Fnhandan.vn%2Fpost-682601.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> <li id="cite_note-109"><span class="mw-cite-backlink"><b><a href="#cite_ref-109">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFVCCorp.vn2015" class="citation web cs1 cs1-prop-foreign-lang-source">VCCorp.vn (2015-01-21). <a rel="nofollow" class="external text" href="https://cafef.vn/tai-chinh-ngan-hang/gan-80-giao-dich-qua-atm-la-rut-tien-mat-2015012117485818.chn">"Gần 80% giao dịch qua ATM là rút tiền mặt"</a>. <i>cafef</i> (in Vietnamese)<span class="reference-accessdate">. Retrieved <span class="nowrap">2024-02-06</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=cafef&rft.atitle=G%E1%BA%A7n+80%25+giao+d%E1%BB%8Bch+qua+ATM+l%C3%A0+r%C3%BAt+ti%E1%BB%81n+m%E1%BA%B7t&rft.date=2015-01-21&rft.au=VCCorp.vn&rft_id=https%3A%2F%2Fcafef.vn%2Ftai-chinh-ngan-hang%2Fgan-80-giao-dich-qua-atm-la-rut-tien-mat-2015012117485818.chn&rfr_id=info%3Asid%2Fen.wikipedia.org%3ADebit+card" class="Z3988"></span></span> </li> </ol></div></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><style data-mw-deduplicate="TemplateStyles:r1236075235">.mw-parser-output .navbox{box-sizing:border-box;border:1px solid #a2a9b1;width:100%;clear:both;font-size:88%;text-align:center;padding:1px;margin:1em auto 0}.mw-parser-output .navbox .navbox{margin-top:0}.mw-parser-output .navbox+.navbox,.mw-parser-output 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.navbox-title{background-color:#ddf}.mw-parser-output .navbox-subgroup .navbox-group,.mw-parser-output .navbox-subgroup .navbox-abovebelow{background-color:#e6e6ff}.mw-parser-output .navbox-even{background-color:#f7f7f7}.mw-parser-output .navbox-odd{background-color:transparent}.mw-parser-output .navbox .hlist td dl,.mw-parser-output .navbox .hlist td ol,.mw-parser-output .navbox .hlist td ul,.mw-parser-output .navbox td.hlist dl,.mw-parser-output .navbox td.hlist ol,.mw-parser-output .navbox td.hlist ul{padding:0.125em 0}.mw-parser-output .navbox .navbar{display:block;font-size:100%}.mw-parser-output .navbox-title .navbar{float:left;text-align:left;margin-right:0.5em}body.skin--responsive .mw-parser-output .navbox-image img{max-width:none!important}@media print{body.ns-0 .mw-parser-output .navbox{display:none!important}}</style></div><div role="navigation" class="navbox" aria-labelledby="Credit,_charge_and_debit_cards" style="padding:3px"><table class="nowraplinks mw-collapsible autocollapse navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231"><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Credit_cards" title="Template:Credit cards"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Credit_cards" title="Template talk:Credit cards"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Credit_cards" title="Special:EditPage/Template:Credit cards"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Credit,_charge_and_debit_cards" style="font-size:114%;margin:0 4em"><a href="/wiki/Credit_card" title="Credit card">Credit</a>, <a href="/wiki/Charge_card" title="Charge card">charge</a> and <a class="mw-selflink selflink">debit cards</a></div></th></tr><tr><th scope="row" class="navbox-group" style="width:1%">Major cards</th><td class="navbox-list-with-group navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/American_Express" title="American Express">American Express</a></li> <li><a href="/wiki/Mastercard" title="Mastercard">Mastercard</a> <ul><li><a href="/wiki/Debit_Mastercard" title="Debit Mastercard">Debit</a></li> <li><a href="/wiki/Maestro_(debit_card)" title="Maestro (debit card)">Maestro</a></li></ul></li> <li><a href="/wiki/Visa_Inc." title="Visa Inc.">Visa</a> <ul><li><a href="/wiki/Visa_Debit" title="Visa Debit">Debit</a></li> <li><a href="/wiki/Visa_Electron" title="Visa Electron">Electron</a></li> <li><a href="/wiki/Visa_Cash" title="Visa Cash">Cash</a></li></ul></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Regional and<br /> specialty cards</th><td class="navbox-list-with-group navbox-list navbox-even hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Armenian_Card" title="Armenian Card">ArCa</a></li> <li><a href="/wiki/AzeriCard" title="AzeriCard">AzeriCard</a></li> <li><a href="/w/index.php?title=Altyn_Asyr_(payment_system)&action=edit&redlink=1" class="new" title="Altyn Asyr (payment system) (page does not exist)">Altyn Asyr</a></li> <li><a href="/wiki/Bancomat_(interbank_network)" title="Bancomat (interbank network)">Bancomat</a></li> <li><a href="/wiki/BC_Card" title="BC Card">BC Card</a></li> <li><a href="/wiki/Bank_Central_Asia" title="Bank Central Asia">BCA Card</a></li> <li><a href="/wiki/Cabcharge" title="Cabcharge">Cabcharge</a></li> <li><a href="/wiki/CB_Bank_Card_Group" title="CB Bank Card Group">CB</a></li> <li><a href="/wiki/Dankort" title="Dankort">Dankort</a></li> <li><a href="/wiki/Discover_Card" title="Discover Card">Discover</a> <ul><li><a href="/wiki/Diners_Club_International" title="Diners Club International">Diners Club</a></li></ul></li> <li><a href="/wiki/EFTPOS" title="EFTPOS">EFTPOS</a></li> <li><a href="/wiki/Electronic_Payment_Services" title="Electronic Payment Services">Electronic Payment Services (EPS)</a></li> <li><a href="/wiki/Elo_(card_association)" title="Elo (card association)">Elo</a></li> <li><a href="/wiki/European_Payments_Initiative" title="European Payments Initiative">European Payments Initiative (EPI)</a></li> <li><a href="/wiki/Forbrugsforeningen" title="Forbrugsforeningen">Forbrugsforeningen</a></li> <li><a href="/wiki/Girocard" title="Girocard">Girocard</a></li> <li><a href="/wiki/Hyundai_Card" title="Hyundai Card">Hyundai Card</a></li> <li><a href="/wiki/Isracard" title="Isracard">Isracard</a></li> <li><a href="/wiki/JCB_(credit_card_company)" title="JCB (credit card company)">JCB</a></li> <li><a href="/wiki/Mir_(payment_system)" title="Mir (payment system)">Mir</a></li> <li><a href="/wiki/Malaysian_Electronic_Payment_System" title="Malaysian Electronic Payment System">MEPS</a></li> <li><a href="/wiki/Meeza" title="Meeza">Meeza</a></li> <li><a href="/wiki/Network_for_Electronic_Transfers" class="mw-redirect" title="Network for Electronic Transfers">NETS</a></li> <li><a href="/wiki/PayPak" title="PayPak">PayPak</a></li> <li><a href="/wiki/RuPay" title="RuPay">RuPay</a></li> <li><a href="/wiki/Troy_(card_scheme)" title="Troy (card scheme)">Troy</a></li> <li><a href="/wiki/UnionPay" title="UnionPay">UnionPay</a></li> <li><a href="/wiki/Universal_Air_Travel_Plan" title="Universal Air Travel Plan">UATP</a></li> <li><a href="/wiki/Verve_Card" class="mw-redirect" title="Verve Card">Verve</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Defunct cards</th><td class="navbox-list-with-group navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Access_(credit_card)" title="Access (credit card)">Access</a></li> <li><a href="/wiki/Bankcard" title="Bankcard">Bankcard</a></li> <li><a href="/wiki/Diners_Club_International" title="Diners Club International">Carte Blanche</a></li> <li><a href="/wiki/Carte_Bleue" title="Carte Bleue">Carte Bleue</a></li> <li><a href="/wiki/Chipknip" title="Chipknip">Chipknip</a></li> <li><a href="/wiki/Choice_(credit_card)" title="Choice (credit card)">Choice</a></li> <li><a href="/wiki/EnRoute_(credit_card)" title="EnRoute (credit card)">enRoute</a></li> <li><a href="/wiki/Eurocard_(payment_card)" class="mw-redirect" title="Eurocard (payment card)">Eurocard</a></li> <li><a href="/wiki/The_Everything_Card" title="The Everything Card">Everything</a></li> <li><a href="/wiki/Laser_(debit_card)" title="Laser (debit card)">Laser</a></li> <li><a href="/wiki/Mondex" title="Mondex">Mondex</a></li> <li><a href="/wiki/Rail_Travel_Card" title="Rail Travel Card">Rail Travel Card</a></li> <li><a href="/wiki/Revolution_Money" title="Revolution Money">Revolution Card</a></li> <li><a href="/wiki/Solo_(debit_card)" title="Solo (debit card)">Solo</a></li> <li><a href="/wiki/Switch_(debit_card)" title="Switch (debit card)">Switch</a></li> <li><a href="/wiki/PIN_(debit_card)" title="PIN (debit card)">PIN</a></li> <li><a href="/wiki/Proton_(debit_card)" title="Proton (debit card)">Proton</a></li> <li><a href="/wiki/V_Pay" title="V Pay">V Pay</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Accounts</th><td class="navbox-list-with-group navbox-list navbox-even hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Payment_card_number" title="Payment card number">Payment card number</a></li> <li><a href="/wiki/Card_association" title="Card association">Card association</a></li> <li><a href="/wiki/Credit_card_balance_transfer" title="Credit card balance transfer">Credit card balance transfer</a></li> <li><a href="/wiki/Credit_limit" title="Credit limit">Credit limit</a></li> <li><a href="/wiki/Installment_loan" title="Installment loan">Installment loan</a></li> <li><a href="/wiki/Revolving_account" class="mw-redirect" title="Revolving account">Revolving account</a></li> <li><a href="/wiki/Deposit_account" title="Deposit account">Deposit account</a> <ul><li><a href="/wiki/Transaction_account" title="Transaction account">Current/checking account</a></li> <li><a href="/wiki/Savings_account" title="Savings account">Savings account</a></li></ul></li> <li><a href="/wiki/ATM_card" title="ATM card">ATM card</a> <ul><li><a href="/wiki/ATM_usage_fees" title="ATM usage fees">Fees</a></li></ul></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Credit_card_debt" title="Credit card debt">Debt</a></th><td class="navbox-list-with-group navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Cash_advance" class="mw-redirect" title="Cash advance">Cash advance</a></li> <li><a href="/wiki/Charge-off" title="Charge-off">Charge-off</a></li> <li><a href="/wiki/Debt-lag" title="Debt-lag">Debt-lag</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Credit_card_interest" title="Credit card interest">Interest</a></th><td class="navbox-list-with-group navbox-list navbox-even hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Grace_period" title="Grace period">Grace period</a></li> <li><a href="/wiki/Introductory_rate" title="Introductory rate">Introductory rate</a></li> <li><a href="/wiki/Universal_default" title="Universal default">Universal default</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Payment</th><td class="navbox-list-with-group navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Card_not_present_transaction" class="mw-redirect" title="Card not present transaction">Card not present transaction</a></li> <li><a href="/wiki/Chargeback" title="Chargeback">Chargeback</a></li> <li><a href="/wiki/Controlled_payment_number" title="Controlled payment number">Controlled payment number</a></li> <li><a href="/wiki/Dispute_(credit_card)" title="Dispute (credit card)">Dispute</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Interchange</th><td class="navbox-list-with-group navbox-list navbox-even hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Interchange_fee" title="Interchange fee">Fee</a></li> <li><a href="/wiki/Surcharge_(payment_systems)" title="Surcharge (payment systems)">Surcharge</a></li> <li><a href="/wiki/Card_scheme" title="Card scheme">Card scheme</a></li></ul> </div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th id="Interbank_networks" scope="row" class="navbox-group" style="width:1%">Interbank networks</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Cirrus_(interbank_network)" title="Cirrus (interbank network)">Cirrus</a></li> <li><a href="/wiki/Interac" title="Interac">Interac</a></li> <li><a href="/wiki/Pulse_(interbank_network)" title="Pulse (interbank network)">Pulse</a></li> <li><a href="/wiki/Plus_(interbank_network)" title="Plus (interbank network)">Plus</a></li></ul> </div></td></tr></tbody></table><div> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Security</th><td class="navbox-list-with-group navbox-list navbox-even hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Card_security_code" title="Card security code">Card security code</a></li> <li><a href="/wiki/Chargeback_fraud" class="mw-redirect" title="Chargeback fraud">Chargeback fraud</a></li> <li><a href="/wiki/Credit_card_fraud" title="Credit card fraud">Credit card fraud</a></li> <li><a href="/wiki/Credit_card_hijacking" class="mw-redirect" title="Credit card hijacking">Credit card hijacking</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Technology</th><td class="navbox-list-with-group navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">Automated teller machine</a></li> <li><a href="/wiki/Contactless_payment" title="Contactless payment">Contactless payment</a></li> <li><a href="/wiki/Credit_card_imprinter" title="Credit card imprinter">Credit card imprinter</a></li> <li><a href="/wiki/EMV" title="EMV">EMV</a></li> <li><a href="/wiki/Hardware_security_module" title="Hardware security module">Hardware security module</a></li> <li><a href="/wiki/Interbank_network" title="Interbank network">Interbank network</a></li> <li><a href="/wiki/Magnetic_stripe_card" class="mw-redirect" title="Magnetic stripe card">Magnetic stripe card</a></li> <li><a href="/wiki/Payment_terminal" title="Payment terminal">Payment terminal</a></li> <li><a href="/wiki/Personal_identification_number" title="Personal identification number">Personal identification number</a></li> <li><a href="/wiki/Secure_cryptoprocessor" title="Secure cryptoprocessor">Secure cryptoprocessor</a></li> <li><a href="/wiki/Smart_card" title="Smart card">Smart card</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Banking</th><td class="navbox-list-with-group navbox-list navbox-even hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Issuing_bank" title="Issuing bank">Issuing bank</a></li> <li><a href="/wiki/Acquiring_bank" title="Acquiring bank">Acquiring bank</a></li></ul> </div></td></tr></tbody></table></div> <div 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