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That is what I was going to say. If there is fraud on a debt card and money is lost you may not get it back. Credit cards have always protected my interests well.
A debit card should have the same protections as a credit card. My debit card says mastercard on it. It's not the same as linking to your banking account. I've been scammed twice on my debit card, no problem.
Varuste wants verification from the actual card company, not the corporate holder of the account. So my verification code didn't do a thing. I had to call BoA who then called VISA with my plan and then, with BoA on the phone I made the purchase and it went through. Varuste getting BoA verification was worthless, the site needed VISA verification.
You couldn't know this, it's a back channel behind the scenes thing going on and while my VISA card is held through BoA the BoA green lights are worthless to Varuste who wants VISA to say it's ok, which is why making a phone call and explaining what you're trying to do is the way to go about this. Calling Varuste probably won't fix it.
America is perpetually about ten years behind with credit card technology with the rest of the world and I suspect this is part of the issue. (Even though the companies are all the same)
This is my experience because I received a security code via sms, and it still failed to process. I wasn't aware of the layering of my CC and the actual issuer of said CC. That would be similar to how I say that my debit card customer service is able to work it out every time.
Varuste really can't be blamed for not accepting Paypal because its a guaranteed way to be scammed from the buyer's end. Paypal is useful for small companies that need that type of consumer protection, but large companies stand on their own reputation.
@John Dee said,
"A debit card should have the same protections as a credit card. My debit card says mastercard on it. It's not the same as linking to your banking account. I've been scammed twice on my debit card, no problem."
It may be true that it has worked out for you so far, but it is a worse option. Financial experts recommend using credit cards for online shopping because they are easier to dispute and minimize the chances of fraud. With debit cards, there is always a risk of your entire bank account being emptied in a fraudulent transaction. If your card information is hacked and purchases are made without your permission, you'll quickly find out that debit and credit cards are treated quite differently.
The key difference: With a credit card, the card issuer must fight to get its money back. With a debit card, you must fight to get your money back. That is because a debit card is directly linked to your back account and when you make a purchase funds are withdrawn. There are also differences in the laws that protect you and your liability. There is a good explanation in this article on Nerdwallet https://www.nerdwallet.com/article/cred ... -purchases
Doesn’t help with solving the problem, but makes clear it’s a complex and imperfect process.
What I got is that it sounds like the Credit Card Network (Visa, Mastercard, Amex, Discover, …) does the calculation of probability of fraud (in milliseconds), and passes that info to the Card Issuer (Bank, whatever) who then seems to have their own way of processing the info they get from the CC Network (in milliseconds), which results in an accepted or declined purchase (all in milliseconds).
Which makes sense to me, based on my experience of have a Mastercard from US Bank work for Varuste, and a Mastercard from Capital One fail.
It may be true that it has worked out for you so far, but it is a worse option. Financial experts recommend using credit cards for online shopping because they are easier to dispute and minimize the chances of fraud. With debit cards, there is always a risk of your entire bank account being emptied in a fraudulent transaction. If your card information is hacked and purchases are made without your permission, you'll quickly find out that debit and credit cards are treated quite differently.
I think this is probably more of a problem when a local thief gets your pin and you are not able to prove that you are not them. In my case it was obvious that I didn't go KFC and McDonalds 5 times a day in Atlanta when I was in New York at the time. I wouldn't hesitate using my debit card at a reputable retailer if that was the option that i had. As Woodserson said, you can apparently go to another level with your CC supplier, but both times I was able to call a number with my bank/ debit card support and immediately get the transaction to proceed.
