You’ll then enter your personal identification number (PIN) into the machine, although some merchants allow you to use your debit card without a PIN. When using your debit card for an in-person purchase, you’ll swipe, insert or use contactless pay at the card terminal just like a credit card.
How Does a Debit Card Work?ĭebit cards partner with major credit card brands, such as VISA, Mastercard and Discover, to allow you to use your debit card for payment anywhere those branded cards are accepted. However, unlike a credit card, a debit card links directly to your bank account, using the money you have on deposit to pay for your purchase or make your ATM withdrawal digitally. Debit cards are issued by your bank and work as a combination ATM card and credit card.
