Debit card use - user experience tips

invalid@example.com (Lozion), Lozion
Sun, 02 Jun 2024 23:53:58 +0000
Debit card

Debit/Credit (if the option is provided)

Tested Apple Pay today at a local market, with debit the transaction refused to go through but if I select credit, it asks for the phone PIN & works like a charm..