Originally Posted by
phltraveler
This all ignores that Visa/MC rules prohibit surcharging debit products even when they run as "credit" without PIN at higher swipe fees, so unless your point of sale is somehow smarter than anything I've ever seen in practice to discriminate on the BIN and automatically spare Visa/MC debit the surcharge, then your employees have to be absolutely eagle eyed to be compliant and not surcharge debit cad holders.
Debit cards (well, domestic ones anyway) are actually pretty easy to tell from the POS point of view now that chip is a thing.
BTW Clover in my experience does in fact detect the use of a debit card and not apply any surcharges. Not sure about others as I don't use debit that often.