Accepting US Common PIN-Debit.

There are a number of Debit Card networks in the US, and Helcim makes it easy for your business to accept them. Merchants using the Helcim Card Reader can automatically accept Chip & PIN debit cards from the most popular networks. With rates typically lower than credit cards, accepting US Common Debit reduces your payment fees and gives your customers more options to pay the way the want.

We display the most common PIN-Debit Interchange fees on our website as part of our transparent Interchange Plus pricing. For a complete list of interchange rates, please visit the website of the PIN-debit network.

US Common PIN-Debit Networks

Accel PIN-Debit Interchange Rates.

Accel Interchange & Network RatesRate
*** Accel POS Category (CDT 66)
All Other Merchants (Tier 4) Base
0.800 % + 14¢
Grocery/Supermarkets & Wholesale Clubs (Tier 4) Base
29¢
Quick Service Restaurant (Tier 4) Base
1.000 % + 6¢
Petroleum (Tier 4) Base
0.800 % + 15¢
Small Ticket
1.000 % + 6¢
Pin Debit - Debit Reg
0.050 % + 21¢
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Pinless Bill Payment Utility
64¢
Pinless Bill Payment (Telecomm)
0.650 % + 12¢
Pinless Bill Payment (other)
0.600 % + 12¢
Internet Pin All Other Base
1.000 % + 15¢
Internet Pin Regulated
0.050 % + 21¢
Internet Pin Regulated w/ FA
0.050 % + 22¢
*** Accel Advantage
All Other Merchants (Tier 4) Base Premium
0.900 % + 22.5¢
Grocery/Supermarkets & Wholesale Clubs (Tier 4) Base Premium
29¢
Quick Service Restaurant (Tier 4) Base Premium
1.000 % + 8¢
Petroleum (Tier 4) Base Premium
0.800 % + 15¢
Small Ticket Premium
1.000 % + 8¢
Pinless Bill Payment Utility Premium
64¢
Pinless Bill Payment (Tier 3) Premium (Telecomm)
0.650 % + 13¢
Pinless Bill Payment (other) Premium
0.650 % + 14¢
Internet Pin Premium
1.300 % + 25¢
*** Accel Assurance
All Other Merchants (Tier 4) Super Premium
0.800 % + 14¢
Grocery/Supermarkets & Wholesale Clubs (Tier 4) Super Premium
29¢
Quick Service Restaurant (Tier 4) Super Premium
1.000 % + 6¢
Petroleum (Tier 4) Super Premium
0.800 % + 15¢
Small Ticket Super Premium
1.000 % + 6¢
Internet Pin Super Premium
1.000 % + 15¢
Pinless Bill Payment Utility Super Premium
64¢
Pinless Bill Payment (Tier 3) Super Premium
0.650 % + 12¢
Pinless Bill Payment (other) Super Premium
0.650 % + 12¢
*** Accel | Assessments and Network Fees
Switch Fee
Acculynk Service Fee
0.150 % + 6¢
Acculyk Elan Service Fee
Accel Network Participation Fee (Accessed yearly in October)
$12/year

AFFN PIN-Debit Interchange Rates.

AFFN Interchange & Network RatesRate
*** AFFN Category (CDT 56)
Major Merchants
0.600 % + 10¢
General Merchants
0.750 % + 12¢
SuperMarket's
23¢
Quick Service
1.150 % + 20¢
Small Ticket Base
1.200 % + 20¢
Petroleum
0.600 % + 10¢
Pin Debit - Debit Reg
0.050 % + 21¢
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Supermarket Debit Reg
22¢
Pinless Bill Pay
0.650 % + 13¢
Pinless Bill Pay Other
0.650 % + 13¢
Pinless Bill Pay Telecom
0.450 % + 5¢
Pinless Bill Pay Medical
0.750 % + 2¢
Pinless Bill Pay return
12¢
Internet Pin
0.600 % + 10¢
Internet Pin Regulated
0.050 % + 21¢
Internet Pin Regulated w/ FA
0.050 % + 22¢
*** AFFN | Assessments and Network Fees
Switch Fee
3.5¢
Acculynk Service Fee
0.150 % + 6¢
Acculyk Elan Service Fee

ATH PIN-Debit Interchange Rates.

ATH Interchange & Network RatesRate
*** ATH Category (CDT 47)
All Merchants
0.900 %
Grocery/Supermarkets
0.500 %
Petroleum
0.650 %
Financial Services < $6.66
Financial Services
0.900 %
Pin Debit - Debit Reg
0.050 % + 21¢
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Pin Debit–Small Ticket Debit Reg
0.950 %
Pin DB Small Ticket Deb Reg W/FA
0.950 % + 10¢
Internet Pin
1.500 % + 10¢
Internet Pin Regulated
0.600 % + 21¢
Internet Pin Regulated w/ FA
0.600 % + 22¢
*** ATH | Assessments and Network Fees
Switch Fee
Acculynk International Service Fee
0.300 % + 15¢

CU-24 PIN-Debit Interchange Rates.

CU-24 Interchange & Network RatesRate
*** CU-24 Category (CDT 63)
Standard Merchant Base
0.750 % + 16.5¢
SuperMarket Base
27.5¢
Petroleum Base
0.800 % + 13¢
QSR
1.250 % + 6¢
Pin Debit - Debit Reg
0.050 % + 21¢
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Pinless Bill Pay
0.650 % + 13¢
Internet Pin
0.750 % + 16.5¢
Internet Pin Regulated
0.050 % + 21¢
Internet Pin Regulated w/ FA
0.050 % + 22¢
*** CU-24 | Assessments and Network Fees
Switch Fee
Acculynk Service Fee
0.150 % + 6¢
Acculyk Elan Service Fee

Interac PIN-Debit Interchange Rates.

Interac Interchange & Network RatesRate
*** Interac Category (CDT 49)
Standard Merchant Base
*** Interac Flash Category (CDT 59)
Standard Merchant Base
3.5¢
Quick Service Restaurant
*** Interac | Assessments and Network Fees
Switch Fee
0.90¢

Interlink PIN-Debit Interchange Rates.

Interlink Interchange & Network RatesRate
*** Interlink Category (CDT 42)
Interlink Standard Base
0.800 % + 15¢
Interlink Supermarket Base
30¢
Interlink Fuel
0.800 % + 15¢
Interlink Business
1.700 % + 10¢
Pin Debit T&E
1.190 % + 10¢
Interlink International
1.100 %
Interlink Small-Ticket
1.550 % + 4¢
Pin Debit - Debit Reg
0.050 % + 21¢
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Interlink Pre-paid Standard
1.150 % + 15¢
Interlink Pre-paid Supermarket
1.150 % + 15¢
Interlink Pre-paid Fuel
1.150 % + 15¢
Interlink Pre-paild Commercial
2.150 % + 10¢
Interlink Pre-Paid T&E
1.150 % + 15¢
Interlink Pre-paid Small Ticket
1.600 % + 5¢
*** Interlink | Assessments and Network Fees
Switch Fee
3.5¢
Switch Fee
0.080 % + 2.25¢
INTERLINK ISA FEE
0.800 %
INTERLINK ISA ISSUER CURR FEE
1.200 %
INTERLINK INTL ACQUIRER FEE
0.450 %
INTERLINK INTL ACQ FEE HIGH RISK
0.900 %

Maestro PIN-Debit Interchange Rates.

Maestro Interchange & Network RatesRate
*** Maestro Category (CDT 44)
General Tier Base
0.900 % + 15¢
Supermarket Tier Base
1.050 % + 15¢
Convenience Tier Base
0.750 % + 17¢
Pin Debit - Debit Reg
0.050 % + 21¢
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Internet Pin
0.900 % + 15¢
Internet Pin Regulated
0.050 % + 21¢
Internet Pin Regulated w/ FA
0.050 % + 22¢
*** Maestro | Assessments and Network Fees
Switch Fee
2.5¢
Acculynk Service Fee
0.150 % + 6¢
Acculyk Elan Service Fee
MAESTRO INTL CROSS BORDER FEE
0.600 %
MAESTRO CROSS BORDER- ISSUER CURR
1.000 %

NYCE PIN-Debit Interchange Rates.

NYCE Interchange & Network RatesRate
*** NYCE Category (CDT 68)
Qualified POS Tier 3* Base
0.750 % + 12¢
Supermarket Tier 3* Base
24¢
QSR
1.300 % + 3¢
Petroleum Tier 3 Base (Aug 09)
0.700 % + 12¢
Pin Debit - Debit Reg
0.050 % + 21¢
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Pin Debit–Small Ticket Debit Reg
1.000 % + 25¢
Pin DB Small Ticket Deb Reg W/FA
1.000 % + 25¢
Debit Bill Pay (Tier A)
60¢
Debit Bill Pay (Tier B)
0.650 % + 15¢
Debit Bill Pay (Tier C)
0.750 % + 10¢
Debit Bill Pay (Tier D)
1.350 % + 10¢
Debit Bill Pay (Tier E)
1.000 %
Debit Bill Pay (Tier F)
0.550 % + 10¢
Debit Bill Pay (Tier G)
0.900 % + 5¢
Internet Pin
0.900 % + 10¢
Internet Pin Regulated
0.050 % + 21¢
Internet Pin Regulated w/ FA
0.050 % + 22¢
*** Premium Interchange
Qualified POS Tier 3* Base Premium
0.800 % + 13¢
Supermarket Tier 3* Base Premium
29¢
QSR Premium
1.300 % + 3¢
Petroleum Tier 3 Base Premium
0.750 % + 15¢
Debit Bill Pay (Tier A) Premium
600¢
Debit Bill Pay ( Tier B) Premium
0.600 % + 20¢
Debit Bill Pay (Tier C) Premium
0.750 % + 20¢
Debit Bill Pay (Tier D) Premium
1.350 % + 20¢
Debit Bill Pay (Tier E) Premium
1.000 % + 10¢
Debit Bill Pay (Tier F) Premium
0.550 % + 10¢
Debit Bill Pay (Tier G) Premium
1.300 % + 10¢
Internet Pin Premium
0.800 % + 13¢
*** NYCE | Assessments and Network Fees
Switch Fee
4.25¢
NYCE Assessment Fee
0.5¢
Acculynk Service Fee
0.150 % + 6¢
Acculyk Elan Service Fee
NCYE Network Participation Fee (Accessed yearly in March)
$14/year

NETS PIN-Debit Interchange Rates.

NETS Interchange & Network RatesRate
*** NETS Category (CDT 57)
Standard Retail
0.800 % + 15¢
SuperMarket
30¢
Quick Service Restaurant (QSR)
1.550 % + 4¢
Petroleum
0.800 % + 15¢
Pin Debit - Debit Reg
0.050 % + 21¢
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Internet Pin
0.850 % + 13¢
Internet Pin Regulated
0.050 % + 21¢
Internet Pin Regulated w/ FA
0.050 % + 22¢
*** NETS | Assessments and Network Fees
Switch Fee
Acculynk Service Fee
0.150 % + 6¢
Acculyk Elan Service Fee

Pulse PIN-Debit Interchange Rates.

Pulse Interchange & Network RatesRate
*** Pulse Category (CDT 60)
General Retail Base
0.800 % + 15¢
Supermarket Base
30¢
Small Ticket Base
1.550 % + 4¢
Petroleum Base
0.800 % + 15¢
Pin Debit - Debit Reg
0.050 % + 21¢
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Pinless Bill Pay, Utility
60¢
Pinless Bill Pay Other
1.590 % + 12¢
Pinless Bill Pay Telecom
0.650 % + 13¢
Internet Pin ¥
1.200 % + 15¢
Internet Pin Regulated ¥
0.050 % + 21¢
Internet Pin Regulated w/ ¥
0.050 % + 22¢
*** Pulse Pay Limited (Pre-Paid)
General Retail Prepaid Base
1.150 % + 15¢
Supermarket Prepaid Base
1.150 % + 15¢
Petroleum Prepaid Base
1.150 % + 15¢
Small Ticket Prepaid Base
1.600 % + 5¢
*** Pulse | Assessments and Network Fees
Switch Fee
7.5¢
POS Network Security Fee
0.5¢
Internet Pin
0.120 %
Acculynk Service Fee
0.150 % + 6¢
Acculyk Elan Service Fee
Pulse Network Participation (Accessed yearly in May)
$12/year

Shazam PIN-Debit Interchange Rates.

Shazam Interchange & Network RatesRate
*** Shazam Category (CDT 71)
General Retail (Tier 3)
0.850 % + 15¢
Grocery & Wholesale (Tier 5)
0.900 % + 16¢
Quick Service Restaurants
0.800 % + 13¢
Petroleum (Tier 3)
0.800 % + 14¢
Business Debit Card Present
1.700 % + 9¢
Pin Debit - Debit Reg
0.050 % + 21¢
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Internet Pin
1.150 % + 15¢
Internet Pin Regulated
0.050 % + 21¢
Internet Pin Regulated w/ FA
0.050 % + 22¢
*** Shazam | Assessments and Network Fees
Switch Fee
Acculynk Service Fee
0.150 % + 6¢
Acculyk Elan Service Fee

Star PIN-Debit Interchange Rates.

Star Interchange & Network RatesRate
*** Star Category (CDT 61)
General Tier 3*** Base
0.900 % + 19.5¢
Supermarket Tier 3*** Base
0.600 % + 22¢
QSR Tier 3*** Base
1.150 % + 8¢
Petroleum Tier 3*** Base
0.850 % + 17¢
Small Ticket
1.550 % + 4¢
Small Ticket > $10
0.800 % + 18.5¢
Medical Retailers
0.800 % + 15¢
Medical Retailers > $15
0.800 % + 15¢
Pin Debit - Debit Reg
0.050 % + 21¢
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Pin Debit Credit Voucher
5.75¢
Bill Pay
52¢
Bill Pay Emerging Mkt
0.550 % + 8¢
Internet Pin
0.900 % + 19.5¢
Internet Pin Regulated
0.050 % + 21¢
Internet Pin Regulated w/ FA
0.050 % + 22¢
Prepaid Healthcare
1.100 % + 14¢
*** Star Preferred
Pin DB Retail Premium
0.900 % + 25¢
Pin DB Supermarket Premium
0.600 % + 25¢
Pin DB QSR Premium
1.150 % + 10.5¢
Pin DB Petroleum Premium
0.850 % + 20.5¢
Pin DB Small Ticket Premium
1.550 % + 4¢
Pin DB Small Ticket Merch Prem > $10
0.800 % + 26¢
PIN DB Medical Premium Sml Tkt
0.800 % + 15¢
Pin DB Medical Premium
0.800 % + 15¢
Pin DB Bill Pay Premium
54¢
Pin DB Bill Pay Emerging Premium
0.550 % + 15.5¢
Internet Pin Premium
0.900 % + 25¢
*** Star | Assessments and Network Fees
Switch Fee
3.25¢
Acculynk Service Fee
0.150 % + 6¢
Acculyk Elan Service Fee
Star Administrative Fee
Star Network Participation Fee (Accessed yearly in September)
$12/year

UnionPay PIN-Debit Interchange Rates.

UnionPay Interchange & Network RatesRate
*** UnionPay Category (CDT 50)
Pin Debit - Debit Reg w/ FA
0.050 % + 22¢
Standard Merchant Base
0.530 %
Internet PIN
1.400 %
*** UnionPay | Assessments and Network Fees
Switch Fee
Acculynk International Service Fee
0.300 % + 15¢

Better Pricing.

Lower Rates, No Monthly Fees

visa
mastercard
amex
Discover Logo

Average Credit Card Rate

1.92% + 8¢

card-pindebit

Average PIN-Debit Rate

0.91% + 8¢

visa
mastercard
amex
Discover Logo

Average Credit Card Rate

1.77% + 8¢

Interac

Average PIN-Debit Rate

9¢

visa
mastercard
amex
Discover Logo

Average Credit Card Rate

2.38% + 25¢

visa
mastercard
amex
Discover Logo

Average Credit Card Rate

2.47% + 25¢

Discover Our In-Depth Payment Solutions.

All Backed by Amazing Customer Service.

It is easy to get in touch with us when you need to. Our friendly in-house team of Merchant Experience Specialists sets us apart with their knowledge and compassion. We’re always ready to answer your questions and address any issues that may arise.

FAQ

.

Transparency, low rates, smart tools and amazing service! Many merchants have been dragged through the mud by their prior processor, with hidden fees, contracts, and terrible service. We’ve built our reputation on being the opposite. We care about building long-term relationships with our merchants - which means offering you the payment service you’ve been looking for.

Have more questions? Email or give us a call. Our in-house team of Helcim Merchant Experience Specialists is here to share their knowledge, answer your questions and point you in the right direction. No commissions, no pressure.

If your business is looking for a better way to accept credit and debit cards online or in-person, then Helcim is the payments company for you. Helcim offers a wide range of payment tools and software solutions to make it faster and easier for you to get paid.

No! We want to help small businesses grow and thrive, so there are no monthly fees. Your Helcim account allows you to process both in-person and online payments with great low processing rates. You also get full access to all of our merchant tools and benefit from our amazing customer service team.

For Visa, Mastercard, Amex and other card-brands, we offer Interchange Plus pricing to give you complete transparency and greater savings. By passing the base cost directly to you and only charging for a single markup, Interchange Plus pricing gives you significant savings. By knowing our cost as well as our markup, we promote a fully transparent partnership which means no surprises on your monthly statement!

To calculate your rates for in-person and online transactions, you can visit our pricing page.

Yes! And there is no need to call and renegotiate rates. Our Interchange Plus margin automatically decreases the more you process, helping you save even more.

You can view our complete volume discounts on our pricing page.

No! You can close your account anytime without any penalty and there are no hidden fees. You never again have to worry about setup fees, termination fees, quarterly fees, PCI & non-compliance fees, customer service fees, or bank deposit fees.

Deposits will appear in your bank account within 2 business days, depending on the time of day that your transactions are settled. Transactions processed over the weekend or bank holidays are initialized for deposit on the following business day. Your daily transactions are batched together, and deposited to your bank account net of processing fees.

The Helcim Shop is built right into your account dashboard, and is accessible immediately after signing up. You can order card readers, stands, printers and more directly from there.

Shipping is free and takes 2-3 business days via FedEx or UPS ground. Any equipment purchases are charged to your bank account on file. We do not currently offer rentals nor payment plans.

No! You can use your existing bank account, provided by your financial institution or credit union. Sole proprietors can use a personal bank account. Incorporated business and partnerships are required to use a business bank account

Law firms and other businesses that require separate trust and operating bank accounts are able to customize the flow of deposits and fees to meet their needs.

How does signing up work?
You can sign up directly on our website using your computer or mobile phone. There is no need for complicated paperwork nor signatures. The signup form takes as little as 5-minutes, asking you to enter basic information about your business, address and contact information.

Once you create your Helcim account, you can begin using it right away! Get started here.

You Deserve Better Payments.

Lower Rates. Better Tools. Amazing Service.

Contact Us​.

We’re Always Happy to Help!

Our in-house team of Merchant Experience Specialists are here to share their knowledge, answer your questions and point you in the right direction. No commissions, no pressure.

New to accepting card payments? Many of our merchants are first time business owners who are unfamiliar with the industry. We take the time to help you understand how it all works as well as how to avoid common pitfalls.

Get In Touch

Toll-Free: +1 (877) 643-5246

 

Calgary Head-Office:

Suite 400 – 440 2 Ave SW

Calgary, Alberta T2P 5E9

Seattle Office:

Suite 4200 – 701 5th Avenue

Seattle, Washington 98104

Contact Us​.

We’re Always Happy to Help!

Our in-house team of Merchant Experience Specialists are here to share their knowledge, answer your questions and point you in the right direction. No commissions, no pressure.

New to accepting card payments? Many of our merchants are first time business owners who are unfamiliar with the industry. We take the time to help you understand how it all works as well as how to avoid common pitfalls.

Get In Touch

Toll-Free: +1 (877) 643-5246

 

Calgary Head-Office:

Suite 400 – 440 2 Ave SW

Calgary, Alberta T2P 5E9

Seattle Office:

Suite 4200 – 701 5th Avenue

Seattle, Washington 98104