Quote:
Originally Posted by oneclickplus
But, if your debit card is processed as a credit card which is what most restaurants do, then the fee is applicable. Do what I do - pay cash. As an extra benefit, your credit card data can't be skimmed / stolen.
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Not exactly. A debit card that is processed as "credit" is still a debit transaction. The money is removed from your checking account and no loan is initiated. The merchant cannot charge you a fee.
From VISA:
"No, a merchant cannot charge a surcharge for a debit card, even if you select "credit" or run the card as a signature-based transaction at the point of sale."