this post was submitted on 29 Dec 2025
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The Interac debit system is Canadian. I would like to see it expanded to include a credit division that does credit cards like Visa/MasterCard, but since we are a much smaller market than the US, we wouldn't have nearly as big of a cushion if there were to be any sort of major fraud activity. But for me, local purchases are always debit. I only use my CC for purchases where my debit card isn't accepted (which is basically only online shopping).
Agreed. I would like to see an option to use NFC for payments that isn't tied to Google/Apple pay. Anything that eliminates an obstacle to breaking out of that duopoly ecosystem is hugely beneficial.
Yes! So annoying
Problem with debit is that most banks limit/charge for transactions.
I keep my bank transactions to a bare minimum. They charge me to hold my money so they can invest it and make themselves interest, and they charge me to remove my money. Only rich people get those fees waived. And I am way less likely to go below my balance an incur other surprise fees. Credit card is the only way. Or cash, but that requires making large withdrawals once or twice a month and carrying it around.
Must be noted that credit card purchases not actually free, just the cost is borne by the merchant and returned in an averaged-out, invisible way.