Non-VISA Debit Card Transaction Processing
Your VISA debit card allows you to conduct transactions on the Pulse, Co-Op, and NYCE Networks, which generally requires you to enter your PIN. Some merchants, however, are authorized to accept non-VISA debit transactions without requiring you to enter your PIN. If you choose to sign (not use your PIN) to authorize a debit transaction, the transaction will be routed as a VISA credit transaction. However, the provisions and benefits disclosed in your cardholder agreements that specifically relate to VISA transactions are not applicable to non-VISA debit transactions.
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