News and Updates

Featured Payment Options Part I: Debit Card – For Those Who Seek Value

By: Sharon Vallar
August 22, 2013

This article is the first installment of a three-part series featuring the payment options available for our digital customers at Ria Money Transfer Online.


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Currently, Ria Money Transfer Online accepts three types of funding for a money transfer transaction: bank account, credit card, and debit card. This article is focused on the versatile, debit card.

What Is A Debit Card?

According to, “a debit card is an electronic card issued by a bank which allows bank clients access to their account to withdraw cash or pay for goods and services.”

The major advantage of this type of card is convenience and security. It is considered more secure than carrying cash around or writing a check. It removes the hassle of having to go to the bank to withdraw money by letting you withdraw from a nearby ATM machine and you can also use it to pay for goods the same way a credit card can. It is a secure way of paying for purchases because it requires the owner to enter their PIN number to complete the purchase.

Difference Between Credit Cards and Debit Cards

It is different from credit cards in a way that it draws money directly from your bank account whereas credit cards draw money from your pre-approved credit line. When you make a purchase using your debit card, the merchant will “check” with your bank to see if you have the amount required for the purchase, and they will “ask” your bank to hold that amount while they send the transaction to their bank and complete the transfer. This process could take a few days. This is why, if you have online banking enabled with your bank, you will see this transactions as pending. It is possible that your bank will release the hold after a certain number of days if it still has not gone through as a courtesy to their customer, so it is important to keep a running balance of your bank account to avoid accidentally overdrawing your account.

Personally, I prefer debit cards over credit cards because it forces me to live within my means. I’m a girl, there are temptations everywhere.

Using Debit Card as PIN Debit to Send Money Via Ria Money Transfer Online

At, if you are sending money using your debit card, it will be processed as a PIN debit. In other words, our system will request your debit card’s PIN number to proceed with the transaction.

Sending money using your debit card offers the best value for your buck. It costs less than using a credit card, but gets to your receiver just as fast, as quick as 15 minutes! Bank account  would have been the cheapest but because of the way bank account transfers work (which I will explain in the next articles), it could take a few days for your receiver to get the money.

The reason that it costs less to send using debit cards compared to credit cards is because the fees that go to the credit card company are eliminated in this process. In addition, credit card companies consider money transfers as cash advance so you may be charged for that on top of the money transfer fees.  This is usually a fixed fee of around $10. Our risk and fraud guy Curt here also likes debit cards because the PIN code that the owner enters to complete the transfer makes the entire process more secure and his job and life easier.

If you do use your debit card to send money online at, please be aware that not all debit cards are pin-able, so if yours doesn’t work on, just try it as a credit card instead.

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