Anyone have any experience yet or more knowledge to help answer this inquiry? We always pay WDW on line using our bank debit card. We have been informed by our bank that new regulations that went into effect yesterday at 12:00 am allow VISA and other companies to charge a debit card customer up to 3% user fees when the payment is processed as a credit that until now were always paid by the company not the customer. My bank informs us that the only way not to be charged this 3% service charge is to use the accounts PIN insuring it is being used as a debit card not a charge card. When paying on-line, can WDW assure me that the payment will be a debit and not a charge? Please don't reply with posts about other ways to pay (Disney gift cards, checks by mail, etc.). This is our chosen way to pay and we are simply looking for an answer to this specific question and not opinions on better ways to pay or other issues.