Simplify your debit acceptance model

Your business authorizes and settles debit card payments using either the card brand network on the front of the card or the debit networks printed on the back. There are three key differences between these two processing paths: cardholder validation, chargeback mitigation, and costs.

Processing a debit card through card brands means using the “credit rail,” while using the debit networks is called the “debit rail.” The debit rail requires the entry of a unique, secure personal identification number (PIN) known only to the cardholder. The PIN validates that the cardholder is most likely the authorized user of that debit card, which can stop fraudulent use before the transaction is authorized. In recent years, EMV technology has helped significantly reduce cases of card fraud, however, EMV can only stop counterfeit cards, not fraudulent card users - PIN changes that. This additional layer of validation helps your business protect itself against fraudulent use and fraud related chargebacks.

Reduce fraud

There are many types of fraud, but one of the fastest growing is called friendly fraud. This occurs when a cardholder uses the chargeback process to reclaim funds by presenting a dispute based on fraud when no fraud was committed. PIN helps your business demonstrate the transaction was validated with the PIN provided by the debit card issuer and most likely authorized by the cardholder. Since the issuing bank can see whether the charge in question was secured with a PIN or not, the bank is more likely to ask for additional proof from the cardholder before presenting a chargeback on a PIN secured debit transaction. The use of PIN verification protects your businesses before you even see the chargeback hit your accounts.

PIN acceptance

The debit and credit rails carry different charges based on the prices associated with each network that provides card approval for the transaction. However, if your business does not prompt for PIN when customers use debit cards, you could pay more than necessary for your debit card transactions. Debit optimization enables PIN acceptance on PIN capable devices, and prompts for PIN immediately when a debit card is presented. While you can fall back on signature verification if you need to, prompting for PIN first enables your business to take control of debit card acceptance costs.

PIN debit

Today, most major markets require PIN on every debit card transaction. While EMV authorization indicates the debit card is valid, PIN entry validates that the cardholder is the authorized owner of the card. Not allowing a cardholder to avoid PIN by choosing to use a signature instead, eliminates the benefits of PIN authentication.

Why make the shift to PIN on debit:

  • Businesses can further validate their debit payments and reduce fraud by prompting for PIN
  • PIN debit authentication helps protect businesses from invalid chargebacks
  • Debit networks are traditionally more cost effective than the credit networks

Request a call back

We want to hear from you. If you are interested in setting up a new merchant account with us, please contact us through the form below and we'll call between the hours of 9:00 AM and 7:00 PM EST, Monday-Friday. If you require assistance with an existing account, please call our customer service line 24/7/365.

This contact form is for US customers only. If you are looking for one of our other locations, please visit to find your country or region.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

By providing us with an email address you are expressly consenting to receiving email communications – including but not limited to marketing material/advertising, promotions, sales campaigns, and questioner/research surveys. By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications – including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system – from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider. We accept relay calls. Your privacy is important to us. By clicking “submit” you agree to our terms and conditions.


Available Mon. – Fri.
9:00 AM - 7:00 PM EST

Customer Support

Available 24/7