RMS payment processing should first allow the customer to swipe his card then then determine whether it is PIN debit or credit. Then it should default to PIN debit unless the customer prefers credit. This is how systems work at Target, Walmart etc because of course PIN debit is about 1% cheaper than credit. The flow would be
Cash or Credit?
if Credit swipe card
if Debit ask for pin or press button to switch to credit
if Credit ask to sign capture pad
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