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“Debit cards remain the payment method of choice among U.S. consumers, regardless of whether they are shopping online or in stores, according to recent reports,” notes PYMNTS October Next-Gen Debit Tracker® done in collaboration with PULSE , A Discover Company. Touchless Debit, Meet Cybercrooks. Numbers tell the tale.
The 2024 PULSE Debit Issuer Study reveals that in 2023, the total number of debit cards, transactions and annual spending per active card all saw substantial increases. On average, active debit cardholders completed 34.6 transactions per month, including 30.7 ATM transactions.
When running the debit card “as credit,” the transaction will be charged according to the debit rates noted in Visa and Mastercard’s interchange tables , not according to the debitnetwork fee schedules. In some cases, it’s less expensive for a merchant to accept PIN debit cards than signature debit cards.
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