Quote:
Originally Posted by Shaun
VISA Electron and Solo both authorize every transaction. That's why you can't use them on a train to buy a ticket as there's no connection to the network.
Maestro and VISA debit both can be used when they can't be checked for authorisation or on paper vouchers up to the companies floor limit. That's how people can spend money they don't have. (It's the same with credit cards!)
If you have Solo or VISA Electron then you shouldn't (but I have seen it) be able to spend money that isn't there.
If you misuse your Maestro/VISA Debit card many companys do charge you for every transaction.
---------- Post added at 13:42 ---------- Previous post was at 13:34 ----------
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When I use my visa debit card over the phone I am told its been authorised the payment and I have in the past had a payment declined due to insufficent funds, the only way I can spend money I dont have on it from what I see is if I write a cheque covered by the cheque garuantuee. Note my card isnt an electron its a proper visa debit card.