A combo card is a next-generation card model that combines both a credit card and a debit card on a single card.
Although the designs vary visually, they are generally laid out so that,
- The front carries the credit card information,
- The back carries the debit card information. For this reason, instead of carrying 2 separate cards, both credit card and debit card transactions can be performed with a single card.
How do I use combo cards in e-commerce transactions?
The CVV2 codes used in e-commerce transactions are determined separately for the debit card and the credit card and printed on the back of the card. In online purchases, the CVV2 value belonging to whichever card is being used must be taken into account.
Can magnetic-stripe cards be used as combo cards?
No, they cannot. Since whether a card is a combo card is stored on the chip, the card must be a chip card.
How are combo cards distinguished at ATMs and POS terminals?
Whether a card is a combo card, and which card feature it has (credit card only/debit card only/credit card+debit card), is written in the card's Application Selection field. When a card is inserted into an ATM or POS device, the information in this field is read and the transaction proceeds accordingly. If the Application Selection field returns both the Credit Card and Debit Card options together, the customer is prompted to select the card type (credit card/debit card) they want to transact with from the ATM or POS menu, and the transaction proceeds from there. If the customer selects credit card, the transaction is processed using the card's credit card feature; if they select debit card, the transaction is processed using the card's debit card feature.
