Re:Canada 'sleepwalking' into cashless society, consumer adv...
by gmokki on Sunday June 30, 2024 @04:26PM
(#40840096)
EU/Finland has used debit+credit combination cards over 21 years.
20 years ago the card type caused confusion going abroad, especially US, but also some European countries that had not yet introduced the same card type. Some merchants were confused about the extra prompt about which card to use before the customer enters the pin.
But it has worked fine 99% of exotic places. I think the 3D secure caused much more trouble when shopping online when it was introduced compared to the choice of using either the debit vs credit variant online.
it's not really anything technical that they "have trouble with", most gateways launched visa debit as an "opt-in" payment method for existing merchants, so if the merchant did not specifically enable it it never got enabled. newer merchant accounts have it enabled by default, so this should sort of work itself out over time. but yes, i don't understand why they made merchants opt in, it's pretty dumb.