I talked to a few banks there are some that still process their debit cards like a check, mostly small banks.
Monex doesn't support these cards.
Monex tried to convince me of the same thing (no funds) until I found out otherwise. As you will read in my other post these cards would approve with Apple Terminal but not
Monex.
Monex would not even read the card there was no decline. We swiped their cards for $5 with Apple Terminal and gave them a wash
token. Some months I had up to 70 customers. We kept track of customers and banks gave information to KioSoft. In the beginning they played dumb. After some time
Monex and KioSoft went silent. This put me over any chance of any refund. I was using IDX pay stations with
Monex but IDX was able to force approval. The only way to get them to work correctly in SS bays was to have their system in every SS bay not cost effective. I have changed to
Nayax, they have gone out of their way to make sure everything is working correctly and have encouraged me to call with any problems unlike
Monex who went radio silent.