I want as little of my money going to Blackrock as possible. How does that work with ecommerce? I have an old Discover card and a new Mastercard debit through my credit union. Is there any difference in using them for this purpose? What got me thinking is the line below: "Instead, these networks work with issuing banks who take on the risk of extending credit to consumers."

Is there a difference in running the card as debit or credit?

What about echecks or personal checks? Those are good?

This is copy/pasted: While Visa, Mastercard, Discover, and American Express have the infrastructure for processing credit card transactions, only American Express and Discover also operate as the banks that work with merchants and consumers for handling the financing.2 If you have a Visa or Mastercard, you may have noticed that you make payments to your credit card issuer, not to the processing network. Visa and Mastercard do not issue credit cards themselves. Instead, these networks work with issuing banks who take on the risk of extending credit to consumers. Any time you see a Visa or Mastercard credit card, there’s another bank that issues the credit card. Bank of America, Capital One, and Chase are examples of issuing banks, also known as credit card issuers.

I know to use cash as much as possible. Also, if youre a merchant please consider the new Alignpay for payment processing.