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I can dispute a charge on my debit card just as I can dispute it on my credit card. Disputes get harder for payments made using my pin, but any charge from an internet payment is trivial. I can also dispute any SEPA-withdrawal. The best option for a merchant is pre-payment via SEPA transfer initiated from my side. That’s pretty hard to dispute.

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You can dispute, but the big difference between credit card and debit card is that on credit card, each transaction is insured through the merchant fee. Mastercard and Visa's rules also specific require the card lender to repay a disputed charge in full, regardless if they can manage to reverse a transaction or not; the same is not the case for debit cards (even if they are branded with the Mastercard/Visa logo).

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