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Debit cards function the same way as credit cards in a non pin-pad environment -- ie, on the web. They have a Visa, MC, Discover, etc logo and they run as a credit transaction until they are settled, at which point the money is debited from your account as if you had used a pin number.
ATM cards without a Visa, MC, etc logo are not usable on the web at the moment. There is a technology for it, but there's been no real adoption of it that I'm aware of.
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