As consumers, we all lead very busy lives. The good news is that billers can give consumers information and tools they need to make smart decisions fast, especially when it comes to making regular payments like their mortgages. Here are some common questions consumers have about paying with debit cards – and how billers can answer them.

What’s a debit card?

Primarily, a debit card is a fast and simple way to access funds currently available in a bank account. Consumers can use their debit cards to withdraw cash from their bank accounts at ATMs. When making payments, a debit card offers nearly immediate verification of funds.

What’s the difference between debit and credit?

Both debit and credit cards sport a network affiliation logo like Visa or MasterCard. When a consumer pays with a debit card, the payment is made from his or her available bank account funds. When a consumer uses a credit card, a charge is made against a pre-approved credit limit.

What’s the difference between ACH and debit?

ACH and debit card payments both pull funds from a bank account, but they’re processed through different networks. In the case of ACH, payments are processed in batches through a clearinghouse, not through the debit networks.

What are the advantages of paying a monthly bill, like a mortgage payment, by debit card?

When using a debit card, funds are quickly earmarked from a consumer’s bank account, making them unavailable for additional payments or purchases. A check, though, can take longer to work through the banking system. When making a high-value payment such as a mortgage, it can be helpful for your customers to use their debit cards and eliminate the risk of accidentally overspending and incurring NSF fees, etc.


To learn more about how your business can accept debit card payments, visit