08/19/2026
💳 Let’s clear up some confusion about debit cards, PIN debit, and “running it as credit.”
There seems to be a common misunderstanding that if a customer uses a debit card and selects “credit” instead of entering a PIN, the transaction somehow becomes a credit card transaction.
It does not.
A debit/check card that is connected to a bank account is still a debit card, regardless of whether the transaction is processed using a PIN or through the signature/credit option.
👉 PIN debit = still a debit card
👉 Signature debit / “run as credit” = still a debit card
👉 Selecting “credit” does not turn your debit card into a credit card.
This distinction is especially important for Louisiana businesses when it comes to surcharging. Debit and prepaid card transactions cannot be assessed a credit card surcharge simply because the customer selected “credit” at checkout.
At Coastline Business Solutions, we’ve been in the payment processing industry for more than 15 years, and we’re local right here in Baton Rouge. If you’re a business owner with questions about debit vs. credit transactions, surcharging, or how the new Louisiana requirements affect your business, I’m happy to help.
📩 Reach out anytime. Understanding how your transactions are actually being processed matters!
