It’s really weird and I don’t understand it. If you have a debit card you are prompted to enter a PIN, but you can just hit a button to bypass it and run it as a credit card, which doesn’t really do anything different, except you can’t ask for cash back at the register. And some places still ask for a signature, but you can literally write a smiley face because nobody writes a signature on the back of their cards anymore for the merchant to compare. It’s total clown world for payments.