Debit card only works in Apple Pay if run as credit card?

[miblev]

I have a BMO Harris Bank debit card. At most merchants (ie, Whole Foods), the only way to use it through apple pay is to run it through as a debit. When I try to run it as a debit, it is declined. I have reached out to various merchants, the bank and Apple, and they each direct me to one of the others. Anyone having a similar experience?

 

[Rob Phillips]

My debit card works just fine through Apple Pay running it as credit or as debit. At the end of the day it's your bank that makes an approve/decline decision on your purchases. There's nothing Apple or the merchant can do about that.

 

[Quis89]

My debit card works just fine through Apple Pay running it as credit or as debit. At the end of the day it's your bank that makes an approve/decline decision on your purchases. There's nothing Apple or the merchant can do about that.

How do you run your card as a debit via Apple Pay? I've never been prompted to enter my PIN number. It always processes as credit.

I was under the belief that all cards are processed as credit via Apple Pay. So if a debit transaction is required then you'll have to swipe your card.

 

[Rob Phillips]

How do you run your card as a debit via Apple Pay? I've never been prompted to enter my PIN number. It always processes as credit.

I was under the belief that all cards are processed as credit via Apple Pay. So if a debit transaction is required then you'll have to swipe your card.

Exactly as if I had swiped the card itself. I'm prompted to enter my PIN on the machine unless I choose credit. It depends on the store though. Walgreens, for example, doesn't prompt and always runs as a credit transaction. Meijer (a regional grocery and retail chain) will prompt me and I can choose ether credit or debit.

 

[Quis89]

Exactly as if I had swiped the card itself. I'm prompted to enter my PIN on the machine unless I choose credit. It depends on the store though. Walgreens, for example, doesn't prompt and always runs as a credit transaction. Meijer (a regional grocery and retail chain) will prompt me and I can choose ether credit or debit.

Ah ok. Makes sense.

 

[TwitchyPuppy]

Good question..

I use my debit and credit cards, on  Pay, but respectively as a debit and credit card and never had any issue with merchants when processed as such.