It appears that JellyBelly.com is now offering its customers the ability to pay with a debit card in two ways. The first option has always been available and that is to process it like a credit card. The second choice has never seen the Internet era and that would be as a pin-debit transaction like you perform in a retail store. Pin-debit transactions have always been kept in a retail environment and never introduced to the Internet world because of security concerns. Honestly, I never thought this day would surface in the industry. Merchants do save money by processing a debit card using one of the debit networks instead of Visa/MC, but the customers pin number is the only security the card has. For me, I don’t see how one would want to enter their pin number over the Internet to process a transaction. The transmission can be secure over the Internet, but it is the consumer’s computer where the vulnerability lies. The consumer’s computer could be compromised and anything they input with their keyboard or move with a mouse could be recorded by a hacker. One could probably say this is no different than banking online, but I’m not sure how consumers will take to the idea, if they will feel comfortable enough to enter their pin-number online. I suppose it is only a matter of time.