[Chase Paymentech] What is the difference between PIN debit and signature debit?

The difference between these two debit choices is whether a PIN (personal identification number) is used at the point of sale.

  • When a PIN is used, the payment is immediately withdrawn from the cardholder’s available funds.
  • When a signature debit transaction occurs, funds are not withdrawn until the transaction processes - usually 2-4 days after the sale.


See also: