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How to know whether virtual card is debit card or credit card

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Deal Cadet
enigma329095714

Hi,

I want to know which of these cards is debit card and which is credit card:
1. Payzapp card
2. Udio digital card

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Entertainer Entertainer
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All are virtual debit cards only. Credit pe koi nahin deta. Pehle wallet cash load karo, only then u can pay..

Deal Cadet Deal Cadet
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I understand that I need load cash before using them .. My question is more to understand if they are technically treated as CC or DC by the payment gateway

Deal Lieutenant Deal Lieutenant
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enigma329095714 wrote:

I understand that I need load cash before using them .. My question is more to understand if they are technically treated as CC or DC by the payment gateway

debit card

Deal Lieutenant Deal Lieutenant
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all virtual are debit cards
if credit cards were so easy to get why would ppl need to provide docs and bank statement to apply for credit card

Deal Cadet Deal Cadet
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Udio payzapp card works as both debit and credit card.

Deal Cadet Deal Cadet
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Mostly Prepaid or Virtual Cards are Credit Card Instances;-}

Deal Lieutenant Deal Lieutenant
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YOU CAN USE IN BOTH OPTIONS DURING PAYMENT – I use Credit 99% times https://cdn3.desidime.com/assets/textile-editor/icon_wink.gif

Deal Lieutenant Deal Lieutenant
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Check respective websites

Payzapp – CC

Others – You check yourself toungueout

Deal Cadet Deal Cadet
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Both are treated as Credit cards.

Deal Subedar Deal Subedar
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Credit card

Deal Cadet Deal Cadet
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ModMod wrote:

Mostly Prepaid or Virtual Cards are Credit Card Instances;-}

+1

Critic Critic
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Virtual Cards are Credit Cards with floating limits equal to the balance available in the linked wallet.

Deal Cadet Deal Cadet
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Do these people saying VC cards as credits cards even know what credit card is??
Your VC card will work on most of the payment platform only when your account has balance no one going to give you free money stupids
have you ever tried to use your card with money in wallet/account it will revert a message (f**k off go and load some money)
All online cards are debit cards, No one going to give you credit card with having enough proof that you will pay them back😶😶😶

Deal Cadet Deal Cadet
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Apun-hi-bhagwan-hai wrote:

Do these people saying VC cards as credits cards even know what credit card is??
Your VC card will work on most of the payment platform only when your account has balance no one going to give you free money stupids
have you ever tried to use your card with money in wallet/account it will revert a message (f**k off go and load some money)
All online cards are debit cards, No one going to give you credit card with having enough proof that you will pay them back😶😶😶

Sire, there is a difference in debit and prepaid card. So chillax. Prepaid is nowhere similr to debit or credit card.

Some payment gateways treat some bin range as debit card and some(which are heavily tested) they treat debit as debit credit as credit and prepaid as prepaid.

Deal Subedar Deal Subedar
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icici pocket one is credit card for sure.

Deal Cadet Deal Cadet
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jambui wrote:

icici pocket one is credit card for sure.

Again in broad terms.-
Any card linked to your savings/current bank account is DEBIT CARD
Any card linked to your secured/unsecured load is a CREDIT CARD
Any card linked to a prepaid/wallet account is a prepaid accout.

It all dependa on the bin range which a card issuer uses on their cards.

All payment gateways treat the cards based on their bin ranges as credit/debit/prepaid card.
Certain bin ranges are specific to Credit or debit or prepaid card which all gateways treat in similar way to others.

But certain bins (broadly prepaid) are disputed between them

Deal Cadet Deal Cadet
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Each card has card type and level e.g Card type cab be Debit and level can be prepaid. It depends on Bin number of card which is first 6 digits. You can check your self at https://www.bincodes.com/bin-ch...r/

Deal Newbie Deal Newbie
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Payzapp is a credit or is treated as credit card by payment gateway.i confirmed it with payswiff .when i paid through payzapp card payswiff customer care said i used a credit card for payment so they tool charge of 50 rs for 2500 rs i got 2450 in my account.

Deal Cadet Deal Cadet
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panchabhut wrote:

Virtual Cards are Credit Cards with floating limits equal to the balance available in the linked wallet.

So, would recurring payments work on these? For instance , dimers here use the payzapp card on services which require a credit card for activation-like netflix, MUBI, magzter. Is there a chance you could get billed by The service?

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