When you pay with a prepaid card at a retail location with a PIN pad, you may have the option to choose whether to run the card as “credit” or “debit.” 

If you choose “debit,” you enter the PIN you created when you registered your card. If you did not create a PIN, choose “credit.” If you choose “credit,” you only need to sign your name.

Some prepaid cards charge you a higher transaction fee if you choose debit, so check your cardholder agreement to find out what fees apply.