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.
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