Debit Cards
John Kenton-Page
The Wallet function does not appear to support Debit Cards.
Can that be added?
Comments are currently closed for this discussion. You can start a new one.
The Wallet function does not appear to support Debit Cards.
Can that be added?
Comments are currently closed for this discussion. You can start a new one.
2 Posted by Stu Helm on 07 Dec, 2011 04:30 PM
Hi John,
We don't have a specific debit card section but there are several of the common debit card types available there and in general a VISA / MasterCard debit card will fill just fine using the standard card templates - that's exactly what I have setup for both my business and personal VISA Debit cards from Barclays in the UK.
Stu Helm
Agile Crusader
AgileBits
http://support.agilebits.com
http://twitter.com/1Password
3 Posted by ian on 16 Dec, 2011 02:00 PM
It seems like you are suggesting that we just use the credit card wallet items for our debit cards. That should work fine, but it would be nice to at least be able to indicate these are debit rather than credit cards without having to enter something into the notes.
Perhaps a field could be added to indicated if it is a credit vs debit card. If you do add such a field to the credit card template, it would also be useful to have a company name field. I have both personal and business credit and debit cards, and it would be great to have a dedicated field for this too.
Thanks.
4 Posted by Stu Helm on 16 Dec, 2011 02:07 PM
Ian,
That's exactly what I'm suggesting, for now, and we've added 'Card Types' for some of the most common debit cards we've found.
Our plan for the future is to, hopefully, allow you to customise items to suit your needs, though we'll need to be careful to make sure this won't break form filling.
Stu Helm
Agile Crusader
AgileBits
http://support.agilebits.com
http://twitter.com/1Password
5 Posted by ian on 16 Dec, 2011 02:34 PM
Even something as simple as "Visa" vs "Visa Debit", "Mastercard" vs "Mastercard Debit" might help quite a bit. It would make it very easy to distinguish a traditional Visa card from a debit card, when both are technically Visa cards. Without adding any new fields or features, you could add this by just including a few extra credit card types: Visa Debit, Mastercard Debit, and Debit Card.
I look forward to the ability to customize the items in the future, although I know it may take some time for that functionality.
6 Posted by Stu Helm on 16 Dec, 2011 02:40 PM
Ian,
I'll pass that along to our developers, what I personally do is add 'Debit' to the title of the card, though actually I own have debit cards right now.
Stu Helm
Agile Crusader
AgileBits
http://support.agilebits.com
http://twitter.com/1Password
7 Posted by ian on 16 Dec, 2011 06:46 PM
Thanks. Basically, that's what I'm doing also (although I put the bank name in parenthesis at the end of the title).
8 Posted by Stu Helm on 16 Dec, 2011 06:55 PM
You're welcome, Ian, I'm hoping we can really have something great with customisable templates and improved support for debit cards, even if it's just a cosmetic thing.
Stu Helm
Agile Crusader
AgileBits
http://support.agilebits.com
http://twitter.com/1Password
9 Posted by linneronline on 17 Dec, 2011 12:42 AM
Hi,
I've used 1Password for a long time but only for log-in items. I'm just finally getting around to bringing over wallet, software and other items that, until now, I've kept in a spreadsheet. I was completely surprised (and thought I was crazy) when I couldn't find a bank card or debit card category. So, I'm glad I found this post and like everyone else, I'm creating my own work-around temporarily. I've seen the note that says that being able to customize some of the categories and fields is the request you get most often and I also understand the challenges that doing that presents for you but I figured I'd just add one more "it'd be great" and "pretty please" to the rest of the requests that you have received.
ps. 1Password is terrific. Two family members will be getting it as a gift this year
10 Posted by Brent Young on 17 Dec, 2011 03:05 AM
Thanks for the feedback and your continued support, L! Definitely something I would love to use as well. We have a lot of great things in store for the future of 1Password. Keep an eye out! :)
Brent Young
Support Rover, AgileBits Inc.
https://agilebits.com/support
11 Posted by Fred on 05 Jan, 2012 01:12 AM
I cannot understand the above discussion. A CLIENT CARD or DEBIT CARD is a completely different item from a credit card. It for instance does not have a credit limit except perhaps overdraft protection. I would strongly recommend that the category Client Card or Debit Card be added to the wallet section of 1Password.
12 Posted by Stu Helm on 05 Jan, 2012 05:51 AM
Fred,
As we mentioned, we're hoping to make it possible for customisable item templates, so that you can add extra information or remove it to suit your needs, though we'll need to be careful to prevent any accidental damage that could prevent form-filling.
From a technical, form filling and how the merchant processes the card, point of view, there's no difference to how a debit / credit card are handled, they both use a card number, should use expiry dates and should use a verification code, the difference is what happens with your card provider once they receive the transaction, obviously debit vs credit.
From an organisational point of view, yes debit cards do have different information, but in this case the focus is on form-filling and making sure those items are grouped together.
Stu Helm
Agile Crusader
AgileBits
http://support.agilebits.com
http://twitter.com/1Password
13 Posted by John Kenton-Page on 05 Jan, 2012 09:31 AM
You just do not get it do you?
It is not just a change of the debit card template, the function and data are quite different. What you should so is have a Debit Card template that links to the bank account with which it is associated and automatically debits that bank account when an entry is made on that Debit Card.
Reading your responses, at the risk of repeating myself, I do not think you really understand the difference between a Credit Card and a Debit Card and that entering a Debit Card as a Credit Card in the programme makes no sense.
14 Posted by Stu Helm on 05 Jan, 2012 11:01 AM
John,
1Password doesn't touch anything with regards to how transactions are carried out, that's down to your card provide, it's simply filling your details into a form. So in technical fact it does not make a difference if you have your bank debit cards and credit cards in the same item template.
I do actually know quite a bit about the difference between how the two types of cards work, my previous job was working for one of the UK's largest banks, I won't name them as it makes my blood boil every time I think of them, and the differences were often something we had to explain to customers who were confused why their debit cards took the money straight away.
Let me clear though, 1Password does not actually handle any of the transactional side of you filling your card details online, it just fills them so that you can then make your purchase and your card provider will then handle the transaction, either debiting it from your bank account in the case of a debit card or by adding it to your statement for a credit card, sites like Amazon don't know or care about that difference, that's handled once the transaction hits the payment processing stages.
I may be mistaken, but although debit cards are linked to a bank account they also have their own unique card details, just like a credit card does, and in general they share a lot of the same information
1Password does not yet have the ability, though it has been suggested, to link items with other items, so your card details are stored separately from you bank account details, which is a good thing if you lose your debit card and need to replace the details, it's easier to edit just the cards details than all of your bank account item.
I'm not sure what else you would like us to do, we've said that we're looking into customisable templates, and tried to explain how 1Password treats cards.
Stu Helm
Agile Crusader
AgileBits
http://support.agilebits.com
http://twitter.com/1Password
15 Posted by ian on 05 Jan, 2012 02:08 PM
Although it would be nice to have built-in support for debit vs credit cards in 1Password, and this is something I'd love to see, there really is no difference from the perspective of 1Password between these two types of cards.
When we get the ability to customize the templates, I'm sure we'll be able to add any additional information we need for our debit cards. As a very satisfied 1Password user, I can say that I look forward to this feature, but in the meantime don't have any problem simply adding "(Debit)" to the end of the name of the card. [Technically, I actually use either my name or business name along with the bank name in parenthesis so I know exactly which account the debit card is for, but that's the same basic principal].
The only reason at all why I can see why it would be nice for 1Password to know if a card is a debit vs credit card, would be for the list of wallet items to show these as separate types (for sorting, filtering, etc.) as well as for the browser extensions to separate the debit and credit cards into two separate lists for auto-insert purposes. However, this would only help us sort/list our debit and credit cards within 1Password, and have no impact on the actual function of the app.
Anyway, that's my 2-cents.
Keep up the great work.
16 Posted by John on 05 Jan, 2012 02:22 PM
I beg to disagree. In Europe, Debit Cards are used for purchases and as the money has to be in your account the high levels of debt that is built up with Credit Cards is avoided. I think we have lost sight of the original request. That was to be able to have a template for Debit Cards as well as Credit Cards, that reflect the differences between them. I fail to see why this is such a problem and in many posts there seems to be confusion as to the exact operation of Debit Cards - maybe because their primary use varies between the USA & Europe.
17 Posted by Stu Helm on 05 Jan, 2012 02:27 PM
John,
We're not saying that this is a problem, we're just saying that the plan is to make templates customisable, rather than add a specific debit card template to 1Password.
It doesn't really matter how the cards actually work from a banking point of view, and what you describe is the way debit cards work everywhere, you have to have the funds in your account or an overdraft facility in place, to use the card. I have debit cards only for exactly that reason.
The point is, 1Password will fill your debit card details in just the same way as they would for a credit card.
Stu Helm
Agile Crusader
AgileBits
http://support.agilebits.com
http://twitter.com/1Password
18 Posted by ian on 05 Jan, 2012 03:27 PM
In the US, and as far as I know the rest of the world, debit cards works exactly the same as they do in Europe. I think we are all in agreement about this and how they work, and I doubt there's any confusion about this at all.
The real question, however, is how does this difference have anything to do with how 1Password stores the card information or fills it in on a web form? As far as my usage of 1Password, I want to be able to store my card details, retrieve them when necessary and/or insert them automatically into a web form.
I really don't see what else someone could be expecting 1Password to be doing with this data.
19 Posted by John on 05 Jan, 2012 04:28 PM
I only wanted to store the information in a Debit Card template rather than one that says Credit (Debit) Card. It seems so simple to me but the waters have been muddied to the extent that further discussion is pointless. I never believed something so simple could become so complicated.
20 Posted by Ben Woodruff on 05 Jan, 2012 04:44 PM
John,
It could be a case of mistaken identity, but have you and I not already had this exact conversion by email? :)
In any event, I am not aware of any plans to make a specific "debit card" template at this time. The "credit card" template contains all of the required fields to store a debit card (even if it has that nasty "credit" word in the title of the template). It is easy enough to reflect in the title that the card is a debit card vs credit card.
As Ian mentioned, from 1Password's perspective, it doesn't really care if the money is coming directly from a bank account or if it is being charged as credit, the same general information needs to be filled in: name, card number, expiration date, etc.
Thanks.
Ben
21 Posted by Toby on 20 Jan, 2012 12:37 AM
The issue here, is that certain websites (Low-cost airlines for example) will charge you more for paying on a Credit card than on a Debit card, so if 1Password fill in the card type as 'Visa' you get charged an extra £15 say, whereas if it filled it in correctly as 'Visa Debit', the charge would only be £6. This issue is starting to crop up more and more in different areas online, so it should definitely be included in a future update. Thanks, and I really enjoy the product by the way.
22 Posted by Stu Helm on 20 Jan, 2012 01:08 AM
Toby,
I see what you mean, we don't have a card type for VISA Debit, I'll talk to the developers about this as this is a valid use case, I guess the one thing I'd say is to make sure you always check the form before submitting.
Stu Helm
Agile Crusader
AgileBits
http://support.agilebits.com
http://twitter.com/1Password
23 Posted by toby robinson on 20 Jan, 2012 01:32 AM
Thanks, Stu, I appreciate the quick response too.
Best Regards,
Toby
System closed this discussion on 07 Jun, 2012 09:18 PM.