For what type of purchases can a debit or credit card not saved to Apple Wallet be used?

The choice indicating that a debit or credit card not saved to Apple Wallet can only be used for pro-rated and other in-store purchases accurately reflects the limitations of such cards within the context of Apple Wallet. When a card is not saved to Apple Wallet, it becomes less convenient for certain digital transactions, particularly those that rely on mobile payment technologies available through the wallet application.

In-store purchases often allow for transactions directly through card swipes or insertion into point-of-sale systems, which means that a card not saved to a digital wallet can still be utilized for those types of transactions. However, cards not stored in Apple Wallet will face limitations with mobile transaction capabilities for online purchases or automated features, which involve apps or payment links that utilize saved wallet cards for quick processing.

The other possible answers do not accurately capture the functionality of Apple Wallet or the types of purchases relevant to cards not saved within the application. Specifically, cards not saved to Apple Wallet are not necessarily limited to online purchases, can be used for a wide range of purchases, and would typically not be designated solely for EFT billing, depending on the card issuer's functionality and agreements.