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Well, ok, disable credit cards. But debit cards don’t have these protections, transactions are essentially immutable. I get they are less popular in the US but
by rich_sasha 5y ago
Well, ok, disable credit cards. But debit cards don’t have these protections, transactions are essentially immutable.
I get they are less popular in the US but are probably, hmm, 70% of cards in Europe? So that’s a viable option.
- mdoms 5y agoMy Visa debit card has all of these protections.
- yurishimo 5y agoYeah, Visa and Mastercard debit cards carry the same fraud/abuse protections as a credit card. They usually don't cover all the extra crap the credit cards do (car rentals, etc) but they will absolutely give you your money back and perform chargebacks in cases of fraud or denial of services tendered.
- SilverRed 5y agoDebit cards have exactly the same fraud protections as credit cards as far as I know in Australia.
- rich_sasha 5y agoInteresting. In Europe, with a credit card, you can effectively just say to the bank “nah I didn’t pay this” and it’s on the bank to prove otherwise (it’s harder/impossible where pin was used but in the web it’s fair game). Debit cards have protection for outright fraud (and even then somewhat limited), certainly no “umm no” simplicity.
- Beldin 5y agoSomewhat. You can have a charge to your account reversed, but it's not a common thing and the process isn't trivialised. Source: almost accidentally undid an in-shop payment because their processor was based in a different town where i had never been. Realised at the last moment where the charge came from; bank was willing to undo.