When is a credit card not a credit card?

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.............when its a debit card apparently!

just completed a hotel booking,it says theres a 3euro charge on all laser and credit card transactions,grand job i thought................. so i booked with a visa debit and through the confirmation email,i see they applied a charge of 3euro:(

is this wrong?

ardmacha

As laser is a debit card, they haven't given the impression that debit cards are treated differently.

The problem is that there is no real way of paying for this service from a distance without using one or other of these approaches.

User Friendly

ardmacha wrote: »

As laser is a debit card, they haven't given the impression that debit cards are treated differently.

The problem is that there is no real way of paying for this service from a distance without using one or other of these approaches.

but i didnt pay with by laser....... i paid by visa debit. i thought there was a difference,then again im probably wrong.

wmpdd3

Is it a VISA debit card, that would be a credit card then?

Kristopherus

wmpdd3 wrote: »

Is it a VISA debit card, that would be a credit card then?

How???

P. Breathnach

I suspect that "laser" is being used as a generic term for debit cards.

Solair

It looks to me more like they just haven't mentioned Visa Debit at all, and are just charging €3.00 on all card transactions, regardless.

Laser Card tends to get used as a generic term for "Debit Card" in Ireland. Although, I can see that changing fairly fast when the card disappears next year and the year after.

The way Visa Debit normally works, it is accepted as Visa Debit where a retailer has that set up i.e. pretty much everywhere in Ireland. So, it will work more or less like a Laser Card.

Where you pay online or physically and there is no Visa Debit setup, it can still be processed as if it were a generic Visa Credit card.

The only difference is that from a retailer's perspective, if they are setup for Visa Debit in Ireland, they can accept the cards at a significantly reduced rate compared to credit cards, which typically charge a small %. As far as I am aware, Visa Debit cards are accepted with a small flat fee, similar to Laser by most of the card terminal issuers / merchant banks.

User Friendly

Solair wrote: »

It looks to me more like they just haven't mentioned Visa Debit at all, and are just charging €3.00 on all card transactions, regardless.

Laser Card tends to get used as a generic term for "Debit Card" in Ireland. Although, I can see that changing fairly fast when the card disappears next year and the year after.

The way Visa Debit normally works, it is accepted as Visa Debit where a retailer has that set up i.e. pretty much everywhere in Ireland. So, it will work more or less like a Laser Card.

Where you pay online or physically and there is no Visa Debit setup, it can still be processed as if it were a generic Visa Credit card.

The only difference is that from a retailer's perspective, if they are setup for Visa Debit in Ireland, they can accept the cards at a significantly reduced rate compared to credit cards, which typically charge a small %. As far as I am aware, Visa Debit cards are accepted with a small flat fee, similar to Laser by most of the card terminal issuers / merchant banks.

Wow........ thanks for the detailed reply!:)

cheers guys....

dudara

Moved to Banking & Insurance & Pensions

dudara

Zirconia

wmpdd3 wrote: »

Is it a VISA debit card, that would be a credit card then?

???

A Credit Card is someting you use to pay for goods or services using borrowed money (the card issuer's money), on the condition that you pay them back later.

A Debit Card is someting you use to pay for goods or services using your own money immediatley - straight out of your bank account.

VISA is the service that facilitates the transactions.

A VISA debit card is not a credit card!