Debit card processing

A system comprising a payment terminal that includes a processor and a memory, the memory including instructions executable by the processor for:

• receiving a request to process a transaction using a payment card, the request specifying a transaction amount;
• determining, in the payment terminal and without user input, whether the payment card is a debit card or a credit card;
• if the payment card is a debit card, determining a service fee to be added to the transaction amount and adding the service fee to the transaction amount, wherein no service fee is added to the transaction amount if the payment card is a credit card, wherein the service fee is based on at least one of the transaction amount and a fee parameter;
• sending a request to a payment processor to approve the transaction;
• and
• if the transaction is approved, processing the transaction such that a charge in the amount of the transaction amount including any service fee is associated with the payment card.

A non-transitory, tangible computer-readable medium including instructions executable by a processor for:

• receiving a request to process a transaction using a payment card, the request specifying a transaction amount;
• determining, in the payment terminal and without user input, whether the payment card is a debit card or a credit card;
• if the payment card is a debit card, determining a service fee to be added to the transaction amount and adding the service fee to the transaction amount, wherein no service fee is added to the transaction amount if the payment card is a credit card, wherein the service fee is based on at least one of the transaction amount and a fee parameter;
• sending a request to a payment processor to approve the transaction;
• and
• if the transaction is approved, processing the transaction such that a charge in the amount of the transaction amount including any service fee is associated with the payment card.