One way is to request a credit application (so dubbed because the supplier is essentially offering an unsecured loan): This sets the terms of the transaction and the procedures to deal with conflicts when they come up.
Later, financials came through with a rally , just after the Federal Reserve announced that it has conceded slightly to banks and set the cap for debit card fees higher than originally proposed, at 21 cents (22 if they adopt fraud prevention policies and procedures) rather than 12 cents per transaction.