Non-credit rails are region specific and usually avoid higher fees typical of credit card rails (often even free). The processor fees for credit card rails exi

Non-credit rails are region specific and usually avoid higher fees typical of credit card rails (often even free). The processor fees for credit card rails exist primarily nowadays to support two things: fraud and perks. With a debit transaction, your fraud protection is usually much, much lower (often non-existent). It's usually equivalent to handing over cash. With a credit card, you can call them up and get the transaction reversed pretty trivially.