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Debit cards will get charged back all the same. Some fraudsters will "lose their card" just to chargeback all charges since they "lost it".

withinboredom 4y ago
Debit cards run as debit cards (ie, not through credit card processors like Visa/Mastercard) are actually really hard to charge back, if at all. They go through different processes than credit cards which are much more favorable to the merchant with lower fees.
- ChrisMarshallNY 4y ago
  This was why a bunch of retailers tried creating an Apple Pay competitor, based on direct bank access. It withered on the vine.
  - sgerenser 4y ago
    Several major retailers, including WalMart, Kroger (and their dozens of grocery brands like Ralph’s, QFC, Harris Teeter), Lowes and Home Depot still don’t take Apple Pay (or any form of tap to pay). Obnoxious and thought they would have given in by now.
    - ChrisMarshallNY 4y ago
      That sounds like the same retailers (I know WalMart was behind it). Wendy's also doesn't take it. I think that CVS used to reject it, but they have been taking it for at least the last couple of years. I use ApplePay for everything. It is starting to become stupid to reject it. Even the smallest mom-and-pop places I go, now take ApplePay. It's built into the processors. I think they have to consciously turn it off. Last time I got a haircut, I used it. They didn't even know they took it.
    - stephen_g 4y ago
      That’s crazy. I can’t even fathom that, given that here in Australia tap to pay was almost universally supported before Apple Pay was even announced, an now swiping your card has been phased out for years, because literally everywhere has supported contactless and chip+pin for so long. So you can pay with ApplePay basically everywhere. You even see buskers now with Square readers!
      - ChoGGi 4y ago
        The Lowe's and home depots around me all let you tap with a credit card, could just be where parent is?
        ChrisMarshallNY 4y ago
        I don't usually use tap & pay; just ApplePay or Chip card. They don't take ApplePay. Don't know about other services.
        sgerenser 4y ago
        You sure? I didn’t think it’s possible to accept card based NFC payments (tap to pay) but not accept phone based NFC payment (Apple/Google pay). AFAIK all lowes and Home Depot stores do NOT accept Apple Pay. A quick Google search confirms it, although the sources are admittedly a bit spammy: “Unfortunately, Lowe's does not accept Apple Pay as an option for payment at any of its 2,200 locations around the continental United States nor online. The core reason why Lowe's doesn't take Apple Pay is simply that they do not have the core NFC payment infrastructure to make this possible.” https://www.gotechtor.com/does-lowes-take-apple-pay/ https://www.gotechtor.com/does-lowes-take-apple-pay/
        ChoGGi 4y ago
        Sorry I meant Rona and home Depot. Lowe's owns Rona so I get confused about the two :)
- tekknik 4y ago
  > are actually really hard to charge back, if at all This is very much not true. In fact when I’m buying something that I think there may be a need to charge back I mostly use my debit card, or a particular CC. Both are VISA. And VISA handles the transaction, this is why their name is on the card.
  - withinboredom 4y ago
    I take it you are in the US. Look at your debit card’s back. There are other networks the card may be charged through instead of as a credit card through visa. Likely those networks are Star, Pulse, etc. These process as DEBIT cards, Visa is a CREDIT card company. When you go into a store and they ask you to run it as debit or credit and you say debit, it uses one of these other networks. The fees are usually much lower than running it through Visa.
    - tekknik 4y ago
      > When you go into a store and they ask you to run it as debit or credit and you say debit This isn’t a think where I’m at anymore, it all runs as VISA or one of the other networks. There isn’t a prompt to select card type and network selection happens based off the card number prefix.
lrem 4y ago
I'm pretty sure it's not the same. There must be a reason for all those merchants around me who will accept VPay or Maestro, but not Visa nor Mastercard.
- twarnp 4y ago
  The point not being they're the same, but that debit cards won't protect you from chargebacks.
- Tijdreiziger 4y ago
  Maestro and V Pay are being discontinued as of July 2023 (existing cards will keep working but no new cards will be issued). Banks/merchants will have to start issuing/accepting MasterCard/Visa instead.

withinboredom 4y ago

Debit cards run as debit cards (ie, not through credit card processors like Visa/Mastercard) are actually really hard to charge back, if at all. They go through different processes than credit cards which are much more favorable to the merchant with lower fees.

ChrisMarshallNY 4y ago
This was why a bunch of retailers tried creating an Apple Pay competitor, based on direct bank access. It withered on the vine.
- sgerenser 4y ago
  Several major retailers, including WalMart, Kroger (and their dozens of grocery brands like Ralph’s, QFC, Harris Teeter), Lowes and Home Depot still don’t take Apple Pay (or any form of tap to pay). Obnoxious and thought they would have given in by now.
  - ChrisMarshallNY 4y ago
    That sounds like the same retailers (I know WalMart was behind it). Wendy's also doesn't take it. I think that CVS used to reject it, but they have been taking it for at least the last couple of years. I use ApplePay for everything. It is starting to become stupid to reject it. Even the smallest mom-and-pop places I go, now take ApplePay. It's built into the processors. I think they have to consciously turn it off. Last time I got a haircut, I used it. They didn't even know they took it.
  - stephen_g 4y ago
    That’s crazy. I can’t even fathom that, given that here in Australia tap to pay was almost universally supported before Apple Pay was even announced, an now swiping your card has been phased out for years, because literally everywhere has supported contactless and chip+pin for so long. So you can pay with ApplePay basically everywhere. You even see buskers now with Square readers!
    - ChoGGi 4y ago
      The Lowe's and home depots around me all let you tap with a credit card, could just be where parent is?
      - ChrisMarshallNY 4y ago
        I don't usually use tap & pay; just ApplePay or Chip card. They don't take ApplePay. Don't know about other services.
      - sgerenser 4y ago
        You sure? I didn’t think it’s possible to accept card based NFC payments (tap to pay) but not accept phone based NFC payment (Apple/Google pay). AFAIK all lowes and Home Depot stores do NOT accept Apple Pay. A quick Google search confirms it, although the sources are admittedly a bit spammy: “Unfortunately, Lowe's does not accept Apple Pay as an option for payment at any of its 2,200 locations around the continental United States nor online. The core reason why Lowe's doesn't take Apple Pay is simply that they do not have the core NFC payment infrastructure to make this possible.” https://www.gotechtor.com/does-lowes-take-apple-pay/ https://www.gotechtor.com/does-lowes-take-apple-pay/
        ChoGGi 4y ago
        Sorry I meant Rona and home Depot. Lowe's owns Rona so I get confused about the two :)
tekknik 4y ago
> are actually really hard to charge back, if at all This is very much not true. In fact when I’m buying something that I think there may be a need to charge back I mostly use my debit card, or a particular CC. Both are VISA. And VISA handles the transaction, this is why their name is on the card.
- withinboredom 4y ago
  I take it you are in the US. Look at your debit card’s back. There are other networks the card may be charged through instead of as a credit card through visa. Likely those networks are Star, Pulse, etc. These process as DEBIT cards, Visa is a CREDIT card company. When you go into a store and they ask you to run it as debit or credit and you say debit, it uses one of these other networks. The fees are usually much lower than running it through Visa.
  - tekknik 4y ago
    > When you go into a store and they ask you to run it as debit or credit and you say debit This isn’t a think where I’m at anymore, it all runs as VISA or one of the other networks. There isn’t a prompt to select card type and network selection happens based off the card number prefix.

lrem 4y ago

I'm pretty sure it's not the same. There must be a reason for all those merchants around me who will accept VPay or Maestro, but not Visa nor Mastercard.

twarnp 4y ago
The point not being they're the same, but that debit cards won't protect you from chargebacks.
Tijdreiziger 4y ago
Maestro and V Pay are being discontinued as of July 2023 (existing cards will keep working but no new cards will be issued). Banks/merchants will have to start issuing/accepting MasterCard/Visa instead.