Response - Card Indicator

Initial	Meaning	Detail
C	Credit	Credit Hybrid (meaning it has PIN capability)
E	Debit	PIN Only with EBT.
H	Debit	Debit Hybrid (PIN and Signature).
J	Debit	USA Commercial Debit – Signature Only – Not PIN Capable.
K	Debit	USA Commercial Debit – PIN Capable.
L	Debit	NON USA Consumer Debit – Not PIN Capable.
M	Debit	NON USA Commercial Debit – Not PIN Capable.
N	Debit	NON USA Consumer Debit – PIN Capable
O	Debit	NON USA Commercial Debit – PIN Capable
P	Debit	PIN Only without EBT.
R	Debit	Private Label (MasterCard)
S	Debit	Signature only (not PIN capable).
X	Debit	True credit (Not PIN Capable/ No Signature capability)