If you ever run across a matrix covering this issue, please post the URL. We almost need a roadmap type documentation with even pressing debit or credit when you use a card, in some cases, makes a big difference in who gets charged what covering the transaction and how it's routed through the system and, perhaps, what options are available when there is a dispute.

It's a little strange, in that we all know almost everything relating to check processing, but we are practically clueless, except for people like you, when it comes to card transaction options when the transaction or process goes south.