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What happens if a merchant defaults my transaction to be a “debit” transaction instead of a “credit” transaction?

When making an in-store purchase, you may be asked “Credit or Debit?” If you select “Credit”, you may be prompted for your signature. If you select “Debit”, you will be prompted to enter a PIN.

While the choice is typically yours to make, some merchants may default the transaction type to “debit” when you present your Relay Card. In such a situation, the merchant’s point-of-sale technology typically displays an option for a customer to go back and select “credit.” You could also request assistance from the cashier to ensure the “credit” transaction type is selected.

This is important for earning cashback since selecting “Credit” earns cashback rewards, but selecting “Debit” does not qualify for cashback rewards. 

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