An ATM bankcard, also called a check card, that allows a merchant to deduct money directly from a consumer's bank account. Debit cards issued with a VisaŽ or MasterCardŽ logo are accepted by any merchant that also accepts Visa or MasterCard credit cards. For debit card rates, PIN#'s must be entered at the time of the transaction.

The response to indicate that a Point of Sale (POS) transaction was not approved.

The same transaction amount billed to the cardholder at pre- determined timeframes.

the process by which funds are delivered to a merchant services account when a credit card authorization has taken place and goods and services have been delivered.

An authorization device, which, like a telephone, dials the authorization center for validation of transactions.

To transfer files or data from one computer to another. To download means "to receive"; to upload means "to transmit."