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VISA Debit Card

Debit card

Debit card

Nowadays a VISA debit card is the most convenient alternative to cash. Make instant payments anywhere in the world!

Simple to use, with expanded functionality, and reliable transactions protection, debit cards are widely spread and have long ago become the most popular payment instrument all over the world!

VISA debit card is a multifunctional and reliable payment tool always remaining at your disposal. Make any financial operation as simple and convenient as possible!

What is a debit card?

A debit card is a universal payment instrument used to instantly pay for goods and services through payment terminals, online, and for ATM cash withdrawal.

Connected to your bank account, the card enables you to easily use the funds available!

debit card

Advantages
of VISA debit card

Universality

The card is ready to use once issued, providing instant access to the account funds. This way, you can withdraw the required amount from ATMs and make purchases anytime and anywhere — no limitations.

Convenience

The information on the payments made with the debit card is available in real time, allowing you to control your expenses, plan your budget, and easily manage your finances.

Security

Use VISA debit cards and eliminate the risk of fraud and financial loss: absolute transaction security is ensured by proven and reliable Chip&PIN technology. If you lose your card, a new one with a full amount on your account will be sent to you — an undeniable advantage compared to cash.

Reliability

In case of service provider insolvency, or if your order paid by VISA debit card was damaged, lost in transit, or does not comply with the description, you are guaranteed a full refund.

Best things about our cards

Prepaid Card

A convenient payment tool for making quick and secure non-cash payments within the available balance.

Debit Card

A universal payment instrument used to instantly pay for goods and services through payment terminals, online, and for ATM cash withdrawal.

Credit Card

VISA credit card is a secure payment instrument and your indispensable assistant in budget planning and in case of unforeseen expenses.

Virtual Card

A virtual card is an optimal financial instrument to instantly pay for goods and services with the most convenient functionality for making cashless payments.

Debit Cards FAQs

What is a debit card?

Debit cards are universal payment instruments used for instant purchases in any currency at payment terminals, online, and to withdraw cash from ATMs (Automated Teller Machines).

The cards are linked to your bank account and quickly give you access to your funds.

How a debit card works

Usually, we imagine a debit card as a piece of plastic like any charge card. But a debit card can be physical or virtual. It is connected to the user’s bank or credit union account. With debit card payment solutions, you can purchase things and withdraw cash from ATMs based on the number of funds in your account within the daily limit.

Types of debit cards

Card network debit cards

A few card networks offer their services globally. VISA, Mastercard, Maestro, Discover, and American Express have the largest market shares. They provide enhanced debit transaction protection with:

  • Two-Factor Authentication method
  • Chip-based technology
  • Additional security features
  • 24/7 support.

The latest chip-based technology is a global standard for making card payments and using contactless payment methods. It prevents card cloning, card skimming, and other malpractices.

With network-enabled debit cards, you can securely dive into online shopping, book tickets, complete other payments, and withdraw funds from cash machines.

Co-branded debit cards

Retailers of consumer goods or services can partner with card networks to provide co-branded debit card programs. Cards from these programs have the retailer and debit card issuer logos. With co-branded cards, you can earn merchandise discounts, bonuses, and other rewards to use in stores within the network where they are accepted.

White-Label debit cards

The private-label debit card programs offer branded cards with the client company’s logo, design, and other customizations. Use these cards for your business needs, highlighting your brand’s identity.

When may it be better to use a debit card?

If you struggle to pay off your credit card debts, a debit card is the best way to control your spending. You can also teach your kids about about how to save money by spending less, so they can adequately use their prepaid cards.

Debit card vs. Credit card

Debit cards’ and credit cards' appearance is almost identical. You can pay for things or get money from ATMs using both. Credit cards allow you to borrow money from the bank, while debit cards would only allow you to spend funds available in your bank account.

In the latter case, the bank immediately deducts the money from the account. For credit card operations, the merchant refers to the card company. The card company pays the seller, then bills you for the purchase. The entire process may take up to a few days. At the end of the month, a specific amount of money is taken from your account. If you cannot pay the whole sum, you will have to pay interest on the remaining balance.

Advantages and disadvantages of a debit card

Pros

  • Less likely to create debt

    No more overspending habits. Banks limit your debit card transactions with the amount of money in your account.

  • Convenience

    Feel free to keep track of your spendings, plan your budget, and efficiently manage your finances with real-time monitoring of your payments.

  • Safety

    In case of loss, you can get a new card with access to full amount available in your account. It’s much better than losing cash.

  • Reliability

    If the service provider goes out of business or your order paid by a debit card is damaged, lost in transit, or does not match the description, you will receive a full refund.

Cons

  • Avaliable funds only

    You can’t use credit to pay your bills or to withdraw money from ATMs. You must monitor changes in your bank account to process payments successfully.

  • Limits on daily operations

    The amount of money you spend on the daily basis is limited. To increase your spending possibilities, you need to contact your bank.

  • Overdraft fee risks

    With a debit transaction, it is easy to create an overdraft. You will have to pay fees for using it.

  • Fewer bonuses

    Credit cards have much more bonuses and protection measures than debit cards.

Managing your debit card

Set spending limits, choose your PIN code, customize other protection methods, and discover additional features to ease any purchase or cash withdrawal.

Security

Below is a list of settings you can use to protect your bank account from fraud, phishing, and other threats.

VISA 3D Secure

VISA debit card protection works against unauthorized card usage in the case of it being stolen, lost, or otherwise compromised. Usually, you receive a one-time password to your email address or cell phone. You must validate each transaction you make through this unique personal code.

NFC technology

NFC is a wireless data transfer method. It allows mobile gadgets to share data with other devices in close proximity. This technology enables contactless payments through Apple Pay, Google Pay, and other contactless payment methods.

Instant push notifications

Set notifications to track changes in your debit card account. Receive messages in a matter of seconds.

Deposit protection

Financial institutions take measures if the system spots a suspicious transaction that may be fraudulent. Phone service specialists will call you to confirm that you made the purchase. Experts will support you if your card is being used in fraudulent activity.

What is the Wallester debit card?

The Wallester debit card solutions allow instant access to your bank account and track real-time data during transactions. The risk of financial loss or fraud decreases, because Chip&PIN technology provides enhanced security for your account.

What are the features of a debit card?

With a debit card, you can withdraw cash from ATMs or pay for goods and services by entering your PIN code. Credit and debit card issuers sometimes provide clients with cashback programs and other card benefits.

Do debit cards have purchase protection?

Purchase protection of debit transactions depends on the bank.

Can I get a debit card online?

Yes, every financial institution that allows you to open a checking account online provides you with a virtual debit card.

Can you have a debit card at age 12?

It depends on laws in a specific region and the agreement terms of financial institutions. In most countries, minors (under age 18) can’t open a banking account without their consent of their parent or other legal guardian. But usually, 12-year-old children can possess prepaid debit cards.

What is the difference between credit and debit transactions?

When you pay with a debit card, the merchant contacts your financial institution immediately, and money from your account is deducted instantly or within a few hours.

As for credit card payments, after the authorization, the merchant transfers data to the card processor. The processor pays the seller, then bills you for the amount. Money is then deducted from your bank account. This process usually takes two to three days.

Mastercard vs Visa — what’s the difference?

Both companies’ cards are accepted globally. But VISA has more cards in circulation, higher purchase volume, and more credit and debit transactions than Mastercard. Differences between VISA and Mastercard also lie in the service fee structure and the geographical coverage of each network.

What are the Wallester Visa card benefits?

As a VISA principal member, we can help you to…

  • Launch White-Label VISA cards of any type.
  • Obtain payment systems and infrastructure to build financial products or embedded finance solutions.
  • Make your business expenses easy.
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© 2025 Wallester AS. All rights reserved. Wallester AS is a Payment Institution, authorized by the Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority), and an official Visa Principal Member. Registration code: 11812882.

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