<P> Debit cards are widely accepted from different debit card issuers including the Network International local subsidiary of Emirates Bank . </P> <P> In the UK debit cards (an integrated EFTPOS system) are an established part of the retail market and are widely accepted both by bricks and mortar stores and by internet stores . The term EFTPOS is not widely used by the public; debit card is the generic term used . Debit cards commonly issued are Debit MasterCard and Visa Debit, with Maestro, Visa Electron and UnionPay also in circulation . Banks do not charge customers for EFTPOS transactions in the UK, but some retailers make small charges, particularly where the transaction amount in question is small . The UK has converted all debit cards in circulation to Chip and PIN (except for Chip and Signature cards issued to people with certain disabilities and non-reloadable prepaid cards), based on the EMV standard, to increase transaction security; however, PINs are not required for Internet transactions (though some banks employ additional security measures for online transactions such as Verified by Visa and MasterCard Secure Code), nor for most contactless transactions . </P> <P> In the United Kingdom, banks started to issue debit cards in the mid-1980s in a bid to reduce the number of cheques being used at the point of sale, which are costly for the banks to process; the first bank to do so was Barclays with the Barclays Connect card . As in most countries, fees paid by merchants in the United Kingdom to accept credit cards are a percentage of the transaction amount, which funds card holders' interest - free credit periods as well as incentive schemes such as points or cashback . For consumer credit cards issued within the EEA, the interchange fee is capped at 0.3%, with a cap of 0.2% for debit cards, although the merchant acquirers may charge the merchant a higher fee . Although merchants won the right through The Credit Cards (Price Discrimination) Order 1990 to charge customers different prices according to the payment method, few merchants in the UK charge less for payment by debit card than by credit card, the most notable exceptions being budget airlines and travel agents . Most debit cards in the UK lack the advantages offered to holders of UK - issued credit cards, such as free incentives (points, cashback etc. (the Tesco Bank debit card being one exception)), interest - free credit and protection against defaulting merchants under Section 75 of the Consumer Credit Act 1974 . Almost all establishments in the United Kingdom that accept credit cards also accept debit cards, but a minority of merchants, for cost reasons, accept debit cards and not credit cards . </P> <P> It is the West Africa Economic and Monetary Union federating eight countries: Benin, Burkina Faso, Côte d'Ivoire, Guinée Bissau, Mali, Niger, Senegal and Togo . </P>

When were debit cards introduced in the uk
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