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.

Accel PIN-Debit Interchange Rates.

Card-Type Interchange Rate
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.

Card-Type Interchange Rate
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.

Card-Type Interchange Rate
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.

Card-Type Interchange Rate
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.

Card-Type Interchange Rate
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¢  

Maestro PIN-Debit Interchange Rates.

Card-Type Interchange Rate
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.

Card-Type Interchange Rate
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.

Card-Type Interchange Rate
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.

Card-Type Interchange Rate
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.

Card-Type Interchange Rate
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.

Card-Type Interchange Rate
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.

Card-Type Interchange Rate
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¢  

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 Gurus 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.

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.

  • Easily Sign Up in Minutes
  • No Hidden Fees or PCI fees
  • Interchange Plus Pricing
  • No Contracts or Commitments
  • Deposits in 1-2 Business Days
  • Friendly Service via Telephone or Email

Service with a :)

We’re always willing to help.

New to accepting card payments? We take the time to help you understand how it all works so you can make the best decisions for your business.

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  • Experts you can trust
  • No commission = no pressure
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