Electronic debit transaction
Electronic debit transaction (1) Means the use of a debit card by a person as a form of payment in the United States to initiate a debit to an account, and
(2) Does not include transactions initiated at an ATM, including cash withdrawals and balance transfers initiated at an ATM.
(i) General-use prepaid card means a card, or other payment code or device, that is -
(1) Issued on a prepaid basis in a specified amount, whether or not that amount may be increased or reloaded, in exchange for payment; and
(2) Redeemable upon presentation at multiple, unaffiliated merchants for goods or services.