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by thisislife221 hours ago |
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upvoteby QGQBGdeZREunxLe21 hours ago|
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You can chargeback with a debit card

https://www.chargeback.io/blog/debit-card-chargebacks-guide

Liability is covered under the Electronic Fund Transfer Act

> You have zero liability if you report before any unauthorized charges are made. Reporting within two business days caps your liability at $50. However, if you wait over two business days but less than 60 calendar days after your statement is sent, your maximum liability jumps to $500. Beyond 60 days, you could be liable for all unauthorized charges.

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upvoteby carlosjobim18 hours ago|
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It is correct. All Visa and Mastercard debit cards offer these protections, and I would suspect that the smaller brands also do.

Worldwide.

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upvoteby thisislife246 minutes ago|
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As far as I know, in India, debit cards don't offer chargeback protection presumably because they are PIN enabled. Which means, in practice, nobody can use your card without knowing your PIN. And so it is assumed that any transaction on it has been done with your permission. Debit cards also don't offer chargebacks for consumer protection against faulty goods.
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upvoteby carlosjobim32 minutes ago|
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I think you might want to check that again. If the card is Visa or Mastercard, then it should offer fraud protections in mostly the same way as a credit card. You might be pleasantly surprised.

Most debit cards today have PIN, but that doesn't waive fraud or theft protections. If I purchase something online the purchase of course has my permission. If the goods are faulty or not delivered, then that is fraud and has chargeback protection. Even if you used your PIN, even if you used two factor authentication.

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upvoteby proxyscore21 hours ago|
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You can chargeback sepa for longer than cards. And easier
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upvoteby sam171421 hours ago|
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Not in the US. The major card networks give you 120 days versus 56 for SEPA. In fact, that's illegal in the US because Regulation E gives you 60 days after the bank sends the statement.
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