Not really. From a purely technical perspective there’s no real difference between a credit card and a debit card. The mechanism for moving money is identical.

Not really. From a purely technical perspective there’s no real difference between a credit card and a debit card. The mechanism for moving money is identical. The only difference is that one moves money from a credit account, the other moves it from a debit account. The costs via Visa/MasterCard are broadly the same. The clearing and settlement process is also broadly the same. Neither are as quick or finite as a bank transfer. One big difference for a merchant is that debit/credit cards have a dispute process (called chargebacks), whereas bank transfers generally don’t.