Thus, when making a debit operation, the charge is made automatically in the holder's account, being possible only when the amount to be collected is less than that available in the account. On the contrary, when we pay by credit card it is not even necessary to have funds , since payments can be partially or even totally deferred to the following month. That debt that is contracted b2c email list the holder and the bank is not possible with a debit card. Hence, the requirements to contract it are greater for credit, since the bank must ensure the financial solvency of the client. Advantages of debit cards Paying by debit carries a number of advantages. Let's see the main ones. Comfort and security : In addition to the b2c email list of not having to carry money, it is a safer payment method , since in the event of loss or theft it can be blocked immediately.
Greater savings : Unlike credit, with debit no interest is paid when withdrawing money or when dividing purchases into different payments. Better financial management : Compared to cash, paying with debit allows you to keep track of all payments made . Mobile applications b2c email list allow their classification and provide statistics on consumption, savings, etc. by categories. Ease and security in online payments : Debit cards offer b2c email list greater security in electronic commerce, allowing reliable and immediate transactions without the need to expose a credit account on any platform. Disadvantages of debit cards disadvantages-debit-cards Among its drawbacks are the following: Funds limit : It will not be b2c email list to carry out transactions without a balance in the holder's account. Impossibility of financing : While credit cards allow you to return the credit to the bank in different ways (at the end of the month, by percentages or by fixed fee), debit cards do not offer this possibility or facilities in case of transactions whose sum is high. .
These are the main differences between debit and credit cards , as well as the main pros and cons of debit , so that you can choose with complete clarity whether to opt for one payment method or another. We have all heard these months about the European PSD2 SCA regulations . This b2c email list was implemented last September to optimize the authentication process for payments made by card through your website's gateway. We are talking about the Second Payment Services Directive, which includes the SCA -Strong Customer Authentication-, which came into force with the aim of reducing cases of fraud and increasing the security of online transactions. Thus, the SCA applies throughout Europe and introduces b2c email list additional verification step in electronic payments that affects all web pages with card payment gateways . In other words, it affects companies whose payment service provider is within the European Economic Area (EEA) and whose client has their bank or card also within the EEA.