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Stripe and PayPal aren't charging you on behalf of the credit card companies--they're making money off the transactions themselves. They're not going to charge you less for processing a debit card payment any more than they'll charge less for cheaper credit cards (using Visa instead of AmEx). Besides debit and credit transactions, there's also atm/direct transactions that cost even less (and likely have no fraud protection from your bank; the links I have posted below don't say much about this as it's not used often). Credit cards are also allowed to charge extra (though merchants rarely do around here, except at gas stations), but my understanding is that that's illegal with debit cards.

See here for info: https://www.fool.com/the-ascent/research/average-credit-card...

https://www.thebalance.com/debit-or-credit-315293

https://pocketsense.com/pinless-debit-card-rules-9651.html

https://consumer.sd.gov/fastfacts/credit.aspx






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