In message , at 12:45:12 on Mon, 19 Mar
2012, Stephen Sprunk remarked:
Either card type may be declined if the issuing bank sees the customer
has insufficient funds, whether such funds are drawn from a debit
account or a credit account.

sigh but we don't (here in the UK anyway) live in a world where every
transaction is authorised.

That's why I said "If the merchant posts a transaction without
authorization, it may be declined and the merchant may not get paid."

It's very simple. I don't understand why you keep trying to make it
more complicated than it is.

Because I'm not convinced that accepting a debit card which passes the
C&P PIN, but is later declined because of lack of funds, is at the
retailer's risk.
--
Roland Perry