As more retailers offer electronic payment options in their stores, debit-card transactions are becoming a preferred form of payment and giving credit cards a run for their money. Pay Less Supermarkets, Anderson, Ind., is actively trying to increase debit-card use by featuring it first and prominently in any list of payment options. Debit now accounts for about one-quarter of total card transactions at the company. "We think [on-line debit] makes sense for everybody," said Paul Nicholson, ...

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