Multiple Networks
Unlike credit cards that are dominated by a few brands, PIN debit transactions can be routed across over a dozen different networks — each with their own interchange schedule.
US Common PIN Debit Interchange Rates.
There are a number of PIN-debit card networks in the US, and Helcim makes it easy for your business to accept them. With rates typically lower than credit cards, accepting PIN debit reduces your payment fees and gives your customers more options. Below is a breakdown of interchange rates across 15 US PIN-debit networks.
Typically Lower Rates
PIN debit interchange rates are generally lower than credit card rates, especially for regulated cards under the Durbin Amendment (capped at 0.05% + $0.22).
Full Transparency
With Interchange Plus, you see the exact interchange cost on your statement. Helcim only adds a small, transparent margin on top.
United States
Accel PIN-Debit Interchange Rates
Accel is a PIN-debit network operated by Fiserv. Rates vary by merchant category and card tier — Base, Advantage (Premium), and Assurance (Super Premium).
Card Type
Rate
Accel POS Category (CDT 66)
All Other Merchants (Tier 4) Base
0.800% + $0.14
Grocery/Supermarkets & Wholesale Clubs (Tier 4) Base
$0.29
Quick Service Restaurant (Tier 4) Base
1.000% + $0.06
Petroleum (Tier 4) Base
0.800% + $0.15
Small Ticket
1.000% + $0.06
Pin Debit — Regulated
0.050% + $0.21
Pin Debit — Regulated w/ FA
0.050% + $0.22
Pinless Bill Payment Utility
$0.64
Pinless Bill Payment (Telecomm)
0.650% + $0.12
Pinless Bill Payment (Other)
0.600% + $0.12
Internet Pin All Other Base
1.000% + $0.15
Internet Pin Regulated
0.050% + $0.21
Internet Pin Regulated w/ FA
0.050% + $0.22
Accel Advantage
All Other Merchants (Tier 4) Base Premium
0.900% + $0.225
Grocery/Supermarkets & Wholesale Clubs (Tier 4) Base Premium
$0.29
Quick Service Restaurant (Tier 4) Base Premium
1.000% + $0.08
Petroleum (Tier 4) Base Premium
0.800% + $0.15
Small Ticket Premium
1.000% + $0.08
Pinless Bill Payment Utility Premium
$0.64
Pinless Bill Payment (Tier 3) Premium (Telecomm)
0.650% + $0.13
Pinless Bill Payment (Other) Premium
0.650% + $0.14
Internet Pin Premium
1.300% + $0.25
Accel Assurance
All Other Merchants (Tier 4) Super Premium
0.800% + $0.14
Grocery/Supermarkets & Wholesale Clubs (Tier 4) Super Premium
$0.29
Quick Service Restaurant (Tier 4) Super Premium
1.000% + $0.06
Petroleum (Tier 4) Super Premium
0.800% + $0.15
Small Ticket Super Premium
1.000% + $0.06
Internet Pin Super Premium
1.000% + $0.15
Pinless Bill Payment Utility Super Premium
$0.64
Pinless Bill Payment (Tier 3) Super Premium
0.650% + $0.12
Pinless Bill Payment (Other) Super Premium
0.650% + $0.12
Assessments and Network Fees
Switch Fee
$0.04
Acculynk Service Fee
0.150% + $0.06
Acculynk Elan Service Fee
$0.03
Accel Network Participation Fee (Assessed yearly in October)
$18/year
AFFN PIN-Debit Interchange Rates
Armed Forces Financial Network (AFFN) is the PIN-debit network serving military banking institutions. Rates are organized by merchant category with separate pinless bill pay and internet PIN tiers.
Card Type
Rate
AFFN Category (CDT 56)
Major Merchants
0.600% + $0.10
General Merchants
0.750% + $0.12
Supermarkets
$0.23
Quick Service
1.150% + $0.20
Small Ticket Base
1.200% + $0.20
Petroleum
0.600% + $0.10
Pin Debit — Regulated
0.050% + $0.21
Pin Debit — Regulated w/ FA
0.050% + $0.22
Supermarket Debit Regulated
$0.22
Pinless Bill Pay
0.650% + $0.13
Pinless Bill Pay Other
0.650% + $0.13
Pinless Bill Pay Telecom
0.450% + $0.05
Pinless Bill Pay Medical
0.750% + $0.02
Pinless Bill Pay Return
$0.12
Internet Pin
0.600% + $0.10
Internet Pin Regulated
0.050% + $0.21
Internet Pin Regulated w/ FA
0.050% + $0.22
Assessments and Network Fees
Switch Fee
$0.035
Acculynk Service Fee
0.150% + $0.06
Acculynk Elan Service Fee
$0.03
ATH PIN-Debit Interchange Rates
ATH is the primary debit card network in Puerto Rico. Rates are percentage-based with special tiers for grocery, petroleum, financial services, and small ticket transactions.
Card Type
Rate
ATH Category (CDT 47)
All Merchants
0.900%
Grocery/Supermarkets
0.500%
Petroleum
0.650%
Financial Services < $6.66
$0.06
Financial Services
0.900%
Pin Debit — Regulated
0.050% + $0.21
Pin Debit — Regulated w/ FA
0.050% + $0.22
Pin Debit Small Ticket Debit Regulated
0.950%
Pin DB Small Ticket Debit Reg w/ FA
0.950% + $0.10
Internet Pin
1.500% + $0.10
Internet Pin Regulated
0.600% + $0.21
Internet Pin Regulated w/ FA
0.600% + $0.22
Assessments and Network Fees
Switch Fee
$0.06
Acculynk International Service Fee
0.300% + $0.15
CU-24 PIN-Debit Interchange Rates
CU-24 is a credit-union-focused PIN-debit network. Rates are structured by merchant category with separate internet PIN and pinless bill pay tiers.
Card Type
Rate
CU-24 Category (CDT 63)
Standard Merchant Base
0.750% + $0.165
Supermarket Base
$0.275
Petroleum Base
0.800% + $0.13
QSR
1.250% + $0.06
Pin Debit — Regulated
0.050% + $0.21
Pin Debit — Regulated w/ FA
0.050% + $0.22
Pinless Bill Pay
0.650% + $0.13
Internet Pin
0.750% + $0.165
Internet Pin Regulated
0.050% + $0.21
Internet Pin Regulated w/ FA
0.050% + $0.22
Assessments and Network Fees
Switch Fee
$0.03
Acculynk Service Fee
0.150% + $0.06
Acculynk Elan Service Fee
$0.03
CU-24 Participation Fee (Assessed yearly)
$16/year
Interac PIN-Debit Interchange Rates
Interac is Canada's national debit network but is also routed for some US cross-border transactions. The POS interchange is zero, with only small contactless (Flash) fees and QSR rates applying.
Card Type
Rate
Interac Category (CDT 49)
Standard Merchant Base
$0.00
Interac Flash Category (CDT 59)
Standard Merchant Base
$0.035
Quick Service Restaurant
$0.02
Assessments and Network Fees
Switch Fee
$0.009
Interlink PIN-Debit Interchange Rates
Interlink is Visa's PIN-debit network for point-of-sale transactions. Rates include standard, supermarket, fuel, business, and pre-paid card tiers with separate international rates.
Card Type
Rate
Interlink Category (CDT 42)
Interlink Standard Base
0.800% + $0.15
Interlink Supermarket Base
$0.30
Interlink Fuel
0.800% + $0.15
Interlink Business
1.700% + $0.10
Pin Debit T&E
1.190% + $0.10
Interlink International
1.100%
Interlink Small-Ticket
1.550% + $0.04
Pin Debit — Regulated
0.050% + $0.21
Pin Debit — Regulated w/ FA
0.050% + $0.22
Interlink Pre-paid Standard
1.150% + $0.15
Interlink Pre-paid Supermarket
1.150% + $0.15
Interlink Pre-paid Fuel
1.150% + $0.15
Interlink Pre-paid Commercial
2.150% + $0.10
Interlink Pre-Paid T&E
1.150% + $0.15
Interlink Pre-paid Small Ticket
1.600% + $0.05
Assessments and Network Fees
Switch Fee
$0.035
Switch Fee (Percentage-Based)
0.080% + $0.0225
Interlink ISA Fee
0.800%
Interlink ISA Issuer Currency Fee
1.200%
Interlink Intl Acquirer Fee
0.450%
Interlink Intl Acquirer Fee High Risk
0.900%
Maestro PIN-Debit Interchange Rates
Maestro is Mastercard's PIN-debit network. Rates are structured by merchant tier — General, Supermarket, and Convenience — with separate internet PIN and cross-border fees.
Card Type
Rate
Maestro Category (CDT 44)
General Tier Base
0.900% + $0.15
Supermarket Tier Base
1.050% + $0.15
Convenience Tier Base
0.750% + $0.17
Pin Debit — Regulated
0.050% + $0.21
Pin Debit — Regulated w/ FA
0.050% + $0.22
Internet Pin
0.900% + $0.15
Internet Pin Regulated
0.050% + $0.21
Internet Pin Regulated w/ FA
0.050% + $0.22
Assessments and Network Fees
Switch Fee
$0.025
Acculynk Service Fee
0.150% + $0.06
Acculynk Elan Service Fee
$0.03
Maestro Intl Cross Border Fee
0.600%
Maestro Cross Border — Issuer Currency
1.000%
NYCE PIN-Debit Interchange Rates
NYCE is a regional PIN-debit network operated by Fiserv. It features tiered interchange for POS, pinless bill pay across seven tiers (A through G), and separate premium interchange for enhanced cards.
Card Type
Rate
NYCE Category (CDT 68)
Qualified POS Tier 3 Base
0.750% + $0.12
Supermarket Tier 3 Base
$0.24
QSR
1.300% + $0.03
Petroleum Tier 3 Base
0.700% + $0.12
Pin Debit — Regulated
0.050% + $0.21
Pin Debit — Regulated w/ FA
0.050% + $0.22
Pin Debit Small Ticket Debit Regulated
1.000% + $0.25
Pin DB Small Ticket Debit Reg w/ FA
1.000% + $0.25
Debit Bill Pay (Tier A)
$0.60
Debit Bill Pay (Tier B)
0.650% + $0.15
Debit Bill Pay (Tier C)
0.750% + $0.10
Debit Bill Pay (Tier D)
1.350% + $0.10
Debit Bill Pay (Tier E)
1.000%
Debit Bill Pay (Tier F)
0.550% + $0.10
Debit Bill Pay (Tier G)
0.900% + $0.05
Internet Pin
0.900% + $0.10
Internet Pin Regulated
0.050% + $0.21
Internet Pin Regulated w/ FA
0.050% + $0.22
Premium Interchange
Qualified POS Tier 3 Base Premium
0.800% + $0.13
Supermarket Tier 3 Base Premium
$0.29
QSR Premium
1.300% + $0.03
Petroleum Tier 3 Base Premium
0.750% + $0.15
Debit Bill Pay (Tier A) Premium
$6.00
Debit Bill Pay (Tier B) Premium
0.600% + $0.20
Debit Bill Pay (Tier C) Premium
0.750% + $0.20
Debit Bill Pay (Tier D) Premium
1.350% + $0.20
Debit Bill Pay (Tier E) Premium
1.000% + $0.10
Debit Bill Pay (Tier F) Premium
0.550% + $0.10
Debit Bill Pay (Tier G) Premium
1.300% + $0.10
Internet Pin Premium
0.800% + $0.13
Assessments and Network Fees
Switch Fee
$0.0425
NYCE Assessment Fee
$0.005
Acculynk Service Fee
0.150% + $0.06
Acculynk Elan Service Fee
$0.03
NYCE Network Participation Fee (Assessed yearly in March)
$17/year
NETS PIN-Debit Interchange Rates
NETS is a PIN-debit network primarily serving community banks. Rates are organized by merchant category with standard retail, supermarket, QSR, and petroleum tiers.
Card Type
Rate
NETS Category (CDT 57)
Standard Retail
0.800% + $0.15
Supermarket
$0.30
Quick Service Restaurant (QSR)
1.550% + $0.04
Petroleum
0.800% + $0.15
Pin Debit — Regulated
0.050% + $0.21
Pin Debit — Regulated w/ FA
0.050% + $0.22
Internet Pin
0.850% + $0.13
Internet Pin Regulated
0.050% + $0.21
Internet Pin Regulated w/ FA
0.050% + $0.22
Assessments and Network Fees
Switch Fee
$0.04
Acculynk Service Fee
0.150% + $0.06
Acculynk Elan Service Fee
$0.03
Pulse PIN-Debit Interchange Rates
Pulse is a PIN-debit network operated by Discover Financial Services. Rates include standard POS tiers, Pulse Pay Limited (pre-paid) tiers, and pinless bill pay categories.
Card Type
Rate
Pulse Category (CDT 60)
General Retail Base
0.800% + $0.15
Supermarket Base
$0.30
Small Ticket Base
1.550% + $0.04
Petroleum Base
0.800% + $0.15
Pin Debit — Regulated
0.050% + $0.21
Pin Debit — Regulated w/ FA
0.050% + $0.22
Pinless Bill Pay, Utility
$0.60
Pinless Bill Pay Other
1.590% + $0.12
Pinless Bill Pay Telecom
0.650% + $0.13
Internet Pin
1.200% + $0.15
Internet Pin Regulated
0.050% + $0.21
Internet Pin Regulated w/ FA
0.050% + $0.22
Pulse Pay Limited (Pre-Paid)
General Retail Prepaid Base
1.150% + $0.15
Supermarket Prepaid Base
1.150% + $0.15
Petroleum Prepaid Base
1.150% + $0.15
Small Ticket Prepaid Base
1.600% + $0.05
Assessments and Network Fees
Switch Fee
$0.075
POS Network Security Fee
$0.005
Internet Pin Fee
0.120%
Acculynk Service Fee
0.150% + $0.06
Acculynk Elan Service Fee
$0.03
Pulse Network Participation (Assessed yearly in May)
$18/year
Shazam PIN-Debit Interchange Rates
Shazam is a PIN-debit network serving community banks and credit unions primarily in the Midwest. Rates are tiered by merchant category with separate business debit and internet PIN rates.
Card Type
Rate
Shazam Category (CDT 71)
General Retail (Tier 3)
0.850% + $0.15
Grocery & Wholesale (Tier 5)
0.900% + $0.16
Quick Service Restaurants
0.800% + $0.13
Petroleum (Tier 3)
0.800% + $0.14
Business Debit Card Present
1.700% + $0.09
Pin Debit — Regulated
0.050% + $0.21
Pin Debit — Regulated w/ FA
0.050% + $0.22
Internet Pin
1.150% + $0.15
Internet Pin Regulated
0.050% + $0.21
Internet Pin Regulated w/ FA
0.050% + $0.22
Assessments and Network Fees
Switch Fee
$0.06
Acculynk Service Fee
0.150% + $0.06
Acculynk Elan Service Fee
$0.03
Star PIN-Debit Interchange Rates
Star is a major PIN-debit network operated by First Data (Fiserv). It has extensive merchant category tiers including medical retailers, bill pay, and a full Star Preferred (premium) schedule.
Card Type
Rate
Star Category (CDT 61)
General Tier 3 Base
0.900% + $0.195
Supermarket Tier 3 Base
0.600% + $0.22
QSR Tier 3 Base
1.150% + $0.08
Petroleum Tier 3 Base
0.850% + $0.17
Small Ticket
1.550% + $0.04
Small Ticket > $10
0.800% + $0.185
Medical Retailers
0.800% + $0.15
Medical Retailers > $15
0.800% + $0.15
Pin Debit — Regulated
0.050% + $0.21
Pin Debit — Regulated w/ FA
0.050% + $0.22
Pin Debit Credit Voucher
$0.0575
Bill Pay
$0.52
Bill Pay Emerging Market
0.550% + $0.08
Internet Pin
0.900% + $0.195
Internet Pin Regulated
0.050% + $0.21
Internet Pin Regulated w/ FA
0.050% + $0.22
Prepaid Healthcare
1.100% + $0.14
Star Preferred
Pin DB Retail Premium
0.900% + $0.25
Pin DB Supermarket Premium
0.600% + $0.25
Pin DB QSR Premium
1.150% + $0.105
Pin DB Petroleum Premium
0.850% + $0.205
Pin DB Small Ticket Premium
1.550% + $0.04
Pin DB Small Ticket Merch Prem > $10
0.800% + $0.26
Pin DB Medical Premium Small Ticket
0.800% + $0.15
Pin DB Medical Premium
0.800% + $0.15
Pin DB Bill Pay Premium
$0.54
Pin DB Bill Pay Emerging Premium
0.550% + $0.155
Internet Pin Premium
0.900% + $0.25
Assessments and Network Fees
Switch Fee
$0.0325
Acculynk Service Fee
0.150% + $0.06
Acculynk Elan Service Fee
$0.03
Star Administrative Fee
$0.01
Star Network Participation Fee (Assessed yearly in September)
$16/year
UnionPay PIN-Debit Interchange Rates
UnionPay is China's national bankcard association. US-routed UnionPay debit transactions carry simple percentage-based rates with no switch fees.
Card Type
Rate
UnionPay Category (CDT 50)
Pin Debit — Regulated w/ FA
0.050% + $0.22
Standard Merchant Base
0.530%
Internet PIN
1.400%
Assessments and Network Fees
Switch Fee
$0.00
Acculynk International Service Fee
0.300% + $0.15
Notes
Regulated debit cards (issued by banks with over $10 billion in assets) are capped under the Durbin Amendment. The maximum regulated interchange rate is 0.05% + $0.21, or 0.05% + $0.22 with Fraud Adjustment (FA).
Above are the most common PIN-debit interchange qualifications across all networks. For a complete list of interchange rates, visit the individual network's website.
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