[totaltec]

I would actually attempt to adjust the order total based on the added checkbox. Take a look at the JavaScript method that applies the surcharge to the order total. I am assuming you are using OPC.

When you select a payment method that has an associated surcharge, see how the order total updates? I would pursue the same method for my extra checkbox. Seems easier than having two payment methods.

If you want to "keep them honest", add an extra input for the pin number when using the debit card method. Even if you just throw these values away, you can set an alert to pop if the field isn't filled out, and that would make them think that it mattered and reconsider their selection method...

Out of curiosity, do you save a lot when they use a debit card? Even without the pin?