How to process a payment (Debit vs Credit vs manually entered credit sale)?

Credit: Choose credit, then Sale, Enter Employee Number and invoice Number, Enter Amount of invoice, insert CREDIT card, choose to apply 3% surcharge: if YES-adds 3%, if NO-cancels 3% (only for a period) or cancels the transaction
Debit: MUST HAVE PIN: Choose Debit, the Sale, Enter Employee Number and invoice Number, Enter Amount of invoice, Inset DEBIT card and enter pin, choose NO to print customer copy
Manually entered credit sale: Choose credit, then Sale, Enter Employee Number and invoice Number, Enter Amount of invoice, Hit the green OK button to enter Manual Mode, Manually enter card # / expiration date, Answer No to Card present, Enter CVV / Zip code, choose to apply 3% surcharge: if YES-adds 3%, if NO-cancels 3% (only for a period) or cancels the transaction, choose to print receipt or not