A direct debit payment is like an electronic cheque that allows you to create a payment directly from your bank account.
A Visa/MC debit card payment allows you to make a bank payment with your Visa/Mastercard-branded debit card. (It will have the Visa or MC logo on the card, similar to a credit card).
Also, a Visa/MC debit payment will lock the funds for the payment immediately, unlike the direct debit option, which can take up to 5 business days to clear..
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