News for hackers. Stuff that matters.
Re:Your Mother’s Maiden Name Is Not a Secret by doomlaser on Friday December 29, 2017 @10:30PM (#16033693)
debit card transactions are all ACH then?
Re:Your Mother’s Maiden Name Is Not a Secret by jacobolus on Friday December 29, 2017 @11:14PM (#16033824)
No. ACH is the digital equivalent of depositing a paper check. The debit networks are what you use to withdraw money from an ATM, and require entering a PIN, but most debit cards nowadays can also operate through credit card networks.
Re:Your Mother’s Maiden Name Is Not a Secret by ChemicalWarfare on Friday December 29, 2017 @11:48PM (#16033893)
debit cards(not to be confused with bank cards) are closer to credit cards than ACH. in some cases - for example "signature debit" vs "pin debit" - just about identical from the flow perspective.

which is why you can use debit cards in most situations where you would use a credit card where instant check of funds availability and hold is required - e.g. hotel incidentals etc.