Linked by Thom Holwerda on Fri 24th Feb 2012 21:59 UTC
Multimedia, AV An interesting anecdote at MinimalMac about television being broken. The author's young daughter, who is growing up in a Netflix/Hulu/iTunes/etc. household, was confronted with actual TV for the first time, and wonders why she can't pick what to watch, why the shows are being interrupted all the time, and so on. Clearly - TV is broken.
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RE[7]: Still stealing.
by d3vi1 on Sat 25th Feb 2012 21:26 UTC in reply to "RE[6]: Still stealing."
d3vi1
Member since:
2006-01-28

Well, you *can* tell the difference as a merchant. It depends on your payment processing features. It falls into the category of possible, but not common. The large ones in the United states (Avis, enterprise, Hertz, Budget, ect) , most certainly can and do.

The American Debit and/or Prepaid Mastercard and Visa generally behave differently than the European ones. In Europe there isn't much of a difference between a credit card and a debit card.
You attach the debit card to a normal account, while the credit card is attached to a special CC account, but other than that, the cards are the same, it's only the accounts that are different. I am quite sure that the large merchants in the US can't tell the difference here because I had an argument at one point with a merchant that stopped accepting credit cards. I explained to them that my Mastercard was in reality a debit card and he suggested to try it out and it was rejected for presenting itself as a credit card. I've also tried my (backup) Visa Electron that was linked to the same account and it worked.
In some countries, such as Germany you can't get a Visa/Mastercard on a current account, you can only get it as a credit card, but that's by internal bank policy.
Another difference is the mandate to use an EMV chip. In Europe, almost all cards are now using an EMV chip and there is an European Directive requiring all transactions to happen with the EMV chip. The magnetic strip and the embossed numbers are kept only for compatibility with foreign nations, but their use is discouraged in some countries or forbidden in others.
And the final difference would be electronic cash. It's quite convenient, but the systems are not universal. The EC/Geldkarte system is for DE, AT and CH while France has another system and the Netherlands have another system. In some countries such as Romania, the electronic cash system has been skipped, favouring the introduction of contactless transactions (PayPass, etc.).

Reply Parent Score: 2

RE[8]: Still stealing.
by Bill Shooter of Bul on Mon 27th Feb 2012 02:22 in reply to "RE[7]: Still stealing."
Bill Shooter of Bul Member since:
2006-07-14

There are many classifications of Visa/Mastercard types other than Credit and Debit.

Reply Parent Score: 2