4 ms·

They say that in the article, but at the actual checkout the only options listed rn are paypal and credit card. Also, honestly not even sure my banks debit card

by TT-392 4y ago

They say that in the article, but at the actual checkout the only options listed rn are paypal and credit card. Also, honestly not even sure my banks debit card would work with something like that, only thing I ever used for paying online is ideal (a dutch payment standard)

notpushkin 4y ago
As said elsewhere in the comments, if your card has a Visa / MasterCard logo on it, it should work here. I'm personally sponsoring a bunch of folks using a Visa card connected to my business account on Wise.
SAI_Peregrinus 4y ago
In the US (and GitHub is a US-designed site) "credit card" is used to generically refer to any payment card, whether it's a credit card, a debit card, a pre-paid universal payment card (not a gift card, but a prepaid Visa or MasterCard or similar).
- fragmede 4y ago
  By you, maybe. The gas station down the street from me, due to fraud, has to make an distinction between credit and debit cards because it doesn't accept credit cards.
  - lxgr 4y ago
    That's almost certainly a pretext (credit cards are more expensive) – or they have ancient card processing hardware. The fraud liability situation is the same for credit and debit cards (i.e. the merchant is not liable for lost/stolen fraud) as long as the terminal has a chip reader.
  - NavinF 4y ago
    Lol that's because they don't want to pay interchange fees, not because of fraud. Any decent credit card has 2% cashback/miles. That money has to come from the merchant.
    - fragmede 4y ago
      Lol be glad you live in a better neighborhood than mine. Credit cards are off the table due to chargebacks because of how many stolen cards got run.
      - NavinF 4y ago
        FYI debit cards with a card network logo also allow chargebacks just like credit cards. So it's extremely unlikely that chargebacks had anything to do with it. It's fairly common for cheaper gas station networks like ARCO to only accept debit cards because of the fixed fees.
- TT-392 4y ago
  Looks like it is maestro which I don't think quite works like that. Looks like Trellmor posted info that explains all of it.
- kevin_thibedeau 4y ago
  Debit cards routinely get rejected in the US even though they can be processed without PIN entry like a normal credit card. The IRS verification system to receive COVID benefits wouldn't allow them. Gas stations can be unreliable. It's a crap shoot. When given the choice I used to select debit to save the merchant money but I've gotten fed up with being screwed over for no good reason to bother anymore.
- staindk 4y ago
  I think it's almost the opposite - (I think) banks started issuing credit cards (with no ability to overdraw) as "debit cards" because it makes them more convenient for online shopping and such. Not sure why else "debit cards" would suddenly have CVV codes and such.
  - nkohari 4y ago
    All cards run through payment networks like Visa and Mastercard, which is why they all have a PAN, CVV, etc. The distinction between credit and debit really just depends on the source of the funds backing the card: either a line of credit, or a bank account that is debited. The allocation of the transaction fee is also usually different, but that tends to be transparent to the customer (and sometimes the merchant).
  - prirun 4y ago
    Banks also charge an outlandish overdraft fee per transaction of something like $35, limited to 3-4 per day. The default for most debit cards AFAIK is to enable overdraft protection. You have to specifically disable it at the bank (which everyone should do). Making an extra $100/day for a few small overdrafts is a very profitable racket. "Overdraft and NSF fees cost Americans an estimated $15.5 billion in 2019" https://www.consumerfinance.gov/about-us/blog/comparing-overdraft-fees-and-policies-across-banks/ https://www.consumerfinance.gov/about-us/blog/comparing-over...
NavinF 4y ago
Does your debit card not have a visa/mc logo? In the US credit cards and debit cards work exactly the same online. Only difference is you get points/cashback on credit cards. If not, can't you walk into a grocery store and buy a $500 prepaid visa card?
- TT-392 4y ago
  >If not, can't you walk into a grocery store and buy a $500 prepaid visa card? I have never seen a grocery store sell something like that here, but maybe that is because I just never paid attention to that. Not that I am saying it is super hard to get a credit/debit card, but it sure is one hell of a barrier to throwing money at open source contributers here and there.
Trellmor 4y ago
The Maestro cards that most dutch banks use are currently getting phased out and replaced with Mastercard or Visa debit cards [0]. These new cards include a new number that should work wherever credit cards are accepted. [0]https://dutchreview.com/news/mastercard-to-stop-issuing-maestro-debit-cards-in-2023/ https://dutchreview.com/news/mastercard-to-stop-issuing-maes...

by TT-392 4y ago

notpushkin 4y ago

As said elsewhere in the comments, if your card has a Visa / MasterCard logo on it, it should work here. I'm personally sponsoring a bunch of folks using a Visa card connected to my business account on Wise.

SAI_Peregrinus 4y ago

In the US (and GitHub is a US-designed site) "credit card" is used to generically refer to any payment card, whether it's a credit card, a debit card, a pre-paid universal payment card (not a gift card, but a prepaid Visa or MasterCard or similar).

fragmede 4y ago
By you, maybe. The gas station down the street from me, due to fraud, has to make an distinction between credit and debit cards because it doesn't accept credit cards.
- lxgr 4y ago
  That's almost certainly a pretext (credit cards are more expensive) – or they have ancient card processing hardware. The fraud liability situation is the same for credit and debit cards (i.e. the merchant is not liable for lost/stolen fraud) as long as the terminal has a chip reader.
- NavinF 4y ago
  Lol that's because they don't want to pay interchange fees, not because of fraud. Any decent credit card has 2% cashback/miles. That money has to come from the merchant.
  - fragmede 4y ago
    Lol be glad you live in a better neighborhood than mine. Credit cards are off the table due to chargebacks because of how many stolen cards got run.
    - NavinF 4y ago
      FYI debit cards with a card network logo also allow chargebacks just like credit cards. So it's extremely unlikely that chargebacks had anything to do with it. It's fairly common for cheaper gas station networks like ARCO to only accept debit cards because of the fixed fees.
TT-392 4y ago
Looks like it is maestro which I don't think quite works like that. Looks like Trellmor posted info that explains all of it.
kevin_thibedeau 4y ago
Debit cards routinely get rejected in the US even though they can be processed without PIN entry like a normal credit card. The IRS verification system to receive COVID benefits wouldn't allow them. Gas stations can be unreliable. It's a crap shoot. When given the choice I used to select debit to save the merchant money but I've gotten fed up with being screwed over for no good reason to bother anymore.
staindk 4y ago
I think it's almost the opposite - (I think) banks started issuing credit cards (with no ability to overdraw) as "debit cards" because it makes them more convenient for online shopping and such. Not sure why else "debit cards" would suddenly have CVV codes and such.
- nkohari 4y ago
  All cards run through payment networks like Visa and Mastercard, which is why they all have a PAN, CVV, etc. The distinction between credit and debit really just depends on the source of the funds backing the card: either a line of credit, or a bank account that is debited. The allocation of the transaction fee is also usually different, but that tends to be transparent to the customer (and sometimes the merchant).
- prirun 4y ago
  Banks also charge an outlandish overdraft fee per transaction of something like $35, limited to 3-4 per day. The default for most debit cards AFAIK is to enable overdraft protection. You have to specifically disable it at the bank (which everyone should do). Making an extra $100/day for a few small overdrafts is a very profitable racket. "Overdraft and NSF fees cost Americans an estimated $15.5 billion in 2019" https://www.consumerfinance.gov/about-us/blog/comparing-overdraft-fees-and-policies-across-banks/ https://www.consumerfinance.gov/about-us/blog/comparing-over...

NavinF 4y ago

Does your debit card not have a visa/mc logo? In the US credit cards and debit cards work exactly the same online. Only difference is you get points/cashback on credit cards. If not, can't you walk into a grocery store and buy a $500 prepaid visa card?

TT-392 4y ago
>If not, can't you walk into a grocery store and buy a $500 prepaid visa card? I have never seen a grocery store sell something like that here, but maybe that is because I just never paid attention to that. Not that I am saying it is super hard to get a credit/debit card, but it sure is one hell of a barrier to throwing money at open source contributers here and there.

Trellmor 4y ago

The Maestro cards that most dutch banks use are currently getting phased out and replaced with Mastercard or Visa debit cards [0]. These new cards include a new number that should work wherever credit cards are accepted. [0]https://dutchreview.com/news/mastercard-to-stop-issuing-maestro-debit-cards-in-2023/ https://dutchreview.com/news/mastercard-to-stop-issuing-maes...