A debit card transaction occurs when you use your debit card to pay for goods or services directly from your bank account. When you swipe or tap your card, the money is instantly deducted from your account, making it a quick and convenient way to shop. Unlike a credit card, which allows you to borrow money, a debit card only lets you spend what you already have. These transactions can happen in stores, online, or at ATMs. Many people prefer debit cards because they help manage spending and avoid debt. Plus, they often come with added security features, making them a safe choice for everyday purchases.