this post was submitted on 27 Dec 2024
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They might get processed via the visa network, but the money is still leaving your bank account. Visa never really had it.
So now you gotta deal with visa and your bank to get something back that was stolen, and no, you aren't ending up with the same protections. They aren't as motivated as none of them are out the money.
If it was a credit transaction, the credit card company is out the money, and if you say it's fraud and refuse to pay them, well now they are on the hook. They're now motivated to determine if it was fraud or not as their money is on the line. Also, they now lose out on a potential customer that gives them high interest on debt if they dont undo it (because most people don't pay off their credit cards). There's no debt when it's a debit card and transaction fees are smaller so they earn less from you.
Edit: and even IF you get the money back, it's going to take a lot longer, and that money is gone in the meantime. Needed it for rent? Sorry the fraud investigation takes 2 months. With credit, your rent money isn't gone.