What is Offline Debit Card?

An Offline Debit Card refers to the cards that have features of both a credit card and online (traditional) debit card that allows the holder to make the payment for the goods and services straight from his/her bank account. An Offline Debit Card is a kind of automated payment card which also referred as check cards.

An Offline Debit Card usually issued by credit card companies in relation with the bank wherein the account is held. The holders of Offline Debit Card do not need a PIN for the transaction as these are similar to writing a check and required a signature only.

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Understanding Offline Debit Card

An offline debit card is similar to a traditional debit card through which the holders of the card make the payments straight from their bank accounts. Though offline debit card is not online, there is detained prior to the incurred amount is deducted from the bank account. An offline debit card is not used in common in the US but is common in some foreign countries. These kinds of cards generally have a maximum limit in a day. In some cases, the maximum limit of a day is depending on the money held in the underlying account of the bank.

As offline debit card is not online, there is no direct access to the bank account that means there is a delay of twenty-four hours to seventy-two hours before the incurred amount is deducted from the bank account. The offline debit card’ maximum limit of a day is less in the comparison of the limit of a standard debit card.

The offline debit card transactions holders must be careful of overdrafts and returned payment fees. Though, an offline debit card’s services and timing of process are different from

The traditional debit cards, still the consequence and result for payments from an account with inadequate funds are same.

The holders of offline debit card can anticipate fee of an overdraft for every payment that is made with inadequate funds by using the card. There are few cases when vendors offer initial acceptance of the payment of an offline debit card, which is not completely approve at settlement and can also experience a payment of returned fee. The transactions with offline debit card may create a risk for vendors because there is no surety the transaction will be complete till the processing is done and accepted, after days.

Frequently Asked Questions (FAQs)

How does Offline Debit Card works?

An offline debit card work with a same process as traditional debit card. Although an offline debit card include the process of writing a check. The transaction with an offline debit card happens by creating a debit amount against the holder of the card’s bank account with slow processing and only needs a signature instead of a PIN number. The offline debit cards generally issue by banks through a partnership with the providers of a card network processing services like Visa and MasterCard. The offline debit cards are connected with a bank account of the cardholder and only used for making payments. The offline debit cards are not for the deposits and withdrawals from an Automated teller machine (ATM).

What is the difference between online debit card and offline debit card?

Both the cards are used to make the payments in the exchange of goods and services. But there are differences between the both. The online debit cards need a PIN number in order to make the payment immediately. Whereas, offline debit cards do not need a PIN number, and the payments take time. The offline debit cards are signature based transaction. Online debit card transactions are more secure, fast and convenient in the comparison of the offline debit cards. Offline debit cards are only used for making payments, and it cannot be used for deposits and withdrawals funds at an Automated teller machine (ATM).