Debit Card Coverage

The Debit Card (Visa Direct to Card / VDC) feature supports Account Funding Transactions (AFT/Pull) for on-ramping and Original Credit Transactions (OCT/Push) for off-ramping, subject to specific network and regional support.

Supported Countries & Regions

Our Debit Card coverage is currently focused on the U.S. market, with plans to expand internationally.

Transaction	Direction	Accepted cards
AFT (Pull)	On-Ramp	Currently accepts only cards issued by U.S. banks.
OCT (Push)	Off-Ramp	Currently accepts only cards issued by U.S. banks. Additional country support will be rolled out in phases.

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We are actively working on expanding card-acquiring and payout countries. Stay tuned for future updates!

Supported Card Networks

We support transactions from the following major card networks and ATM networks:

Visa
Mastercard
Pulse
Star
NYCE

Supported Card Types

The following card types are eligible for use on Harbor. Credit cards are strictly unsupported.

Card type	Description
Debit	Standard debit cards issued by banks that are linked directly to a cardholder's checking account.
Prepaid	Reloadable cards pre-funded with money (such as gift cards or loaded payroll cards).
Combo	Multi-functional cards combining credit, debit, or ATM functions on a single physical card.
Charge Card	Cards without a pre-set spending limit where the balance must be paid in full at the end of each statement cycle.
Deferred Debit	Cards where transactions are temporarily accumulated and debited from the bank account at a later specified date.
Visa Plus	ATM network cards branded under Visa's Plus system for global debit and cash routing.

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Credit cards are not supported for Debit Card (VDC) transactions. Please ensure your users connect an eligible debit or prepaid card.