> Debit cards carry reversal rights as well - at least in the United States.
It's provided as a service sometimes, but the legal obligation is very different (essentially absent altogether), as are the incentives.
With a credit card, the 'default' is that you don't pay the credit card company (and you have no reason to), so they lose out on the money unless they get it back from the merchant.
With a debit card, the 'default' is that the merchant wrongfully holds onto the money, and unless they get it back, you lose out on the money. Since they have no legal obligation to settle that dispute even when the customer is in the right, they may not, in which case you (the debit card consumer) lose out.
It's provided as a service sometimes, but the legal obligation is very different (essentially absent altogether), as are the incentives.
With a credit card, the 'default' is that you don't pay the credit card company (and you have no reason to), so they lose out on the money unless they get it back from the merchant.
With a debit card, the 'default' is that the merchant wrongfully holds onto the money, and unless they get it back, you lose out on the money. Since they have no legal obligation to settle that dispute even when the customer is in the right, they may not, in which case you (the debit card consumer) lose out.