A payment card in the physical format of a credit card that is used like a bank check. There is no line of credit, and sufficient funds must be available in the customer's bank account, which are withdrawn immediately or within a couple of days, depending on the system. Debit cards are used at ATM machines and point-of-sale terminals in retail outlets. To prevent fraud, a numeric PIN must be entered. If the merchant supports it, cash may be paid to the customer. See
debit.