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2005-03-23, 06:40 PM | #26 | |
Lord help me, I'm just not that bright
Join Date: May 2004
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If a card has a card-association logo on it, then it can be processed through interchange. And in most cases I would guess there is no difference in the processing of that transaction. But, for example, here in LA we have this mega-shopping retail store called Costco that doesn't take MasterCard or Visa, only American Express. But, they do accept my Visa debit card. Go figure. |
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2005-03-23, 06:46 PM | #27 |
Remember to rebel against the authorities, kids!
Join Date: Aug 2003
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I'm pretty sure the are treated differently GG. If you look at Ikobo (yes I know... bad example), but they accept Visa credit cards, but not check cards. Go figure!
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2005-03-23, 06:53 PM | #28 | |
Lord help me, I'm just not that bright
Join Date: May 2004
Posts: 102
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Quote:
Some may scrub differently based on the card type, if the processor has cutomized thier filtering based on past experience. I don't think there is really a clear answer to this one. |
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2005-03-23, 07:13 PM | #29 |
The Original Greenguy (Est'd 1996) & AVN HOF Member - I Crop Pics For Thumbs In My Sleep
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Does Epoch, as a merchant, treat them differently? (and I have no hidden agenda, so don't worry about anything - LOL)
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2005-03-23, 08:00 PM | #30 | |
Wheither you think you can or you think you can't, Your right.
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ronnie |
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2005-03-23, 08:11 PM | #31 | |
Lord help me, I'm just not that bright
Join Date: May 2004
Posts: 102
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2005-03-23, 08:29 PM | #32 |
Took the hint.
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Rand, is the situaton with CCBill not accepting Epassporte a strictly buisness situation, or is it an issue of competition? Would it help if people processing with CCBill put pressure on them to accept it?
Alex |
2005-03-23, 08:47 PM | #33 | |
Lord help me, I'm just not that bright
Join Date: May 2004
Posts: 102
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2005-03-23, 10:05 PM | #34 |
The Original Greenguy (Est'd 1996) & AVN HOF Member - I Crop Pics For Thumbs In My Sleep
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Ok - in all honestly, I was just wondering why they asked if it was a credit or debit card at the local stores & whatnot
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2005-03-24, 02:01 AM | #35 | |
Ahhh ... sweet pity. Where would my love life be without it?
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2005-03-24, 03:35 AM | #36 |
Are you sure this is the Sci-Fi Convention? It's full of nerds!
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from what i understand if you use your check card as a credit card (ie signing the recipt and not using a pin) then the merchant has to pay a higher processing fee and the purchase can be disputed by the customer, even if its signed for. if you use a pin then there is no doubt that the customer has used it (or at least in a dispute the merchant has an advantage) and cannot dispute the charge so the merchant is off the hook and is guranteed payment. Thats why costco will not accept debit cards as credit cards (i was a member when they changed it and had a manager explain it to me cuz i was pissed) american express isnt techinically credit like visa is cuz you cant carry a balance.
also if you use it for paying the pump when you get gas as a credit card then it just checks to see if the account is active, if you put in your pin then it actually puts a $50 hold on your account. im no expert but this is how i understand it at least LOL |
2005-03-24, 03:38 AM | #37 | |
Ahhh ... sweet pity. Where would my love life be without it?
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Sounds like a good explanation to me.
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2005-03-24, 08:56 AM | #38 |
The Original Greenguy (Est'd 1996) & AVN HOF Member - I Crop Pics For Thumbs In My Sleep
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Ahhh - the PIN number - that explains it
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2005-03-24, 02:05 PM | #39 |
Lord help me, I'm just not that bright
Join Date: May 2004
Posts: 102
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SecurityMan's explanation is right on (for the retail brick-and-mortar environment).
It also makes a difference if you are getting cash back. |
2005-03-25, 07:34 PM | #40 |
Remember to rebel against the authorities, kids!
Join Date: Aug 2003
Location: SC
Posts: 401
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The debit card is a strange animal! You can still dispute transactions even with a PIN number used, but the liklihood of getting it back is very small unless you sign an Affadavit of Fraud and agree to prosecute who ever is identified as using the card (which 99.9% of the time it is the actual user). Also, a lot of places like gas stations only hold $1 as a pre-auth.
I didn't believe there was a difference in processing prices for debit vs. credit.
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