debit cards(not to be confused with bank cards) are closer to credit cards than ACH. in some cases - for example "signature debit" vs "pin debit" - just about identical from the flow perspective.
which is why you can use debit cards in most situations where you would use a credit card where instant check of funds availability and hold is required - e.g. hotel incidentals etc.
which is why you can use debit cards in most situations where you would use a credit card where instant check of funds availability and hold is required - e.g. hotel incidentals etc.