When making a purchase with your KAST card, the payment terminal may ask you to choose between “debit” or “credit.” This article explains how your card works, which option to choose, and special cases where different rules may apply.
How Does My KAST Card Work?
Your KAST Card is a credit card issued through a banking partner, and it runs on the Visa network. Your deposited balance secures your credit line, which determines how much you can spend.
- Credit-backed spending: Each purchase is charged to your KAST Card credit line, which is secured by your deposited balance
- Not a traditional debit card: The card isn’t linked to a checking account and may not support PIN-based debit transactions
- Runs on the Visa network: Transactions are processed through Visa, so you should select Credit at checkout when prompted
In simple terms, you’re using a credit card, but your deposited balance sets your spending limit.
Why Does My KAST Card Run as Credit?
Your KAST Card runs as a credit transaction because it operates on the Visa credit network, which is designed for global compatibility.
Each purchase is charged to your KAST Card credit line, which is secured by your deposited balance, and processed through Visa’s credit routing to ensure it works seamlessly with merchants worldwide.
What Should I Select at Checkout?
At checkout, always select “CREDIT” when using your KAST card. This ensures the payment routes correctly, prevents declines caused by unsupported PIN debit, and lets your transaction go through smoothly with just a tap, insert, or signature.
Frequently Asked Questions
Does choosing “CREDIT” mean I’m borrowing money?
Yes, your KAST Card works as a credit card. Each purchase is charged to your credit line, which is secured by your deposited balance.
Do I need a PIN when I choose “CREDIT”?
No. Credit transactions do not require a PIN for approval. You will usually complete the payment by tapping, inserting, or signing instead.
Will selecting “CREDIT” affect my credit score?
No. Using “CREDIT” does not impact your credit history. All transactions are settled using only the balance you have in your KAST app.
Are credit transactions safer than debit?
Yes. Credit processing provides additional protections, including the ability to dispute unauthorized charges. These safeguards make it more secure than PIN debit transactions for most purchases.
What should I do if a merchant insists on debit only?
Let the merchant know that your KAST card operates as a credit card at checkout. If the terminal still cannot process it, you will need to use another payment method.