billgates: I checked the McDonalds receipt and the transaction was being processed under 'Credit' account when it is a Visa Debit card? That could be the culprit?
Visa Debit transactions process with the Credit account for PayWave (meaning extra fees for retailer hence why not all retailers offer PayWave). As far as I know the money actually comes from the default account (usually cheque) or for the likes of BNZ you can choose which account for Paywave/Online transactions.


