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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 cash-back since selecting “Credit” earns cash-back rewards, but selecting “Debit” does not qualify for cash-back rewards.

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