The liability shift only matters if the potential loss outweighs the cost of running all transactions as credit until your issuing bank and hardware support the US Common Debit AID is greater than the potential fraud liability.
For a grocery store <1% per transaction and 3% per transaction is a pretty huge difference, one of my local stores that only takes debit cards still doesn't support chip cards because of the madness with the US Common Debit AID preventing them from enabling the EMV support on their terminals.
For a grocery store <1% per transaction and 3% per transaction is a pretty huge difference, one of my local stores that only takes debit cards still doesn't support chip cards because of the madness with the US Common Debit AID preventing them from enabling the EMV support on their terminals.