What is PIN Debit?

When you process a transaction with a customer using PIN (Personal Identification Number) debit, the customer inputs a 4-digit pin code into the pin-pad on a debit terminal. No signature is required in this transaction.

A PIN debit transaction is different than a swiped-signature debit sale because, while a swiped transaction still uses the card brand network (Visa, Mastercard, Discover, etc.) the entire PIN debit transaction is being held on the debit network.

What Does This Mean for My Business?

Different transaction types have different fees associated with them. PIN debit transactions cost your business lower for transactions of high amounts than they would a signature debit transaction. To process a PIN Debit transaction, you must also have the correct terminal to do so. The terminal must have a pin-pad and be encrypted for security purposes.

What are the Rates?

Below are the most common interchange qualifications. For a complete list of interchange rates, visit the website of the PIN-debit network. As part of our Interchange+ pricing, Helcim passes the true interchange cost into you and adds our Cost+ margin on top.

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 Resturant (Tier 4) Base 1.000 % + 4¢
Petroleum (Tier 4) Base 0.800 % + 10¢
Small Ticket 1.000 % + 4¢
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 Resturant (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 0.070 % + 18¢
Grocery/Supermarkets & Wholesale Clubs (Tier 4) Super Premium 20¢
Quick Service Resturant (Tier 4) Super Premium 0.900 % + 13¢
Petroleum (Tier 4) Super Premium 0.070 % + 18¢
Small Ticket Super Premium 1.000 % + 6¢
Internet Pin Super Premium 0.900 % + 10¢
Pinless Bill Payment Utility Super Premium 50¢
Pinless Bill Payment (Tier 3) Super Premium 0.500 % + 14¢
Pinless Bill Payment (other) Super Premium 0.400 % + 14¢
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 Resturant
Interac   |   Assessments and Network Fees  
Switch Fee 0.65¢

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) 55¢
Debit Bill Pay ( Tier B) 0.600 % + 10¢
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) 0.450 % + 5¢
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) $12/year

NETS PIN-Debit Interchange Rates

Card-Type Interchange Rate
NETS Category (CDT 57)  
Standard Retail 0.800 % + 15¢
SuperMarket 30¢
Quick Service Resturant (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/ FA ¥ 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 0.020 %
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 % + 16¢
Grocery & Wholesale (Tier 5) 0.900 % + 16¢
Quick Service Resturants 1.250 % + 5¢
Petroleum (Tier 3) 0.800 % + 13¢
Small Ticket 1.250 % + 5¢
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)  
Standard Merchant Base 0.530 %
Internet PIN 1.400 %
UnionPay   |   Assessments and Network Fees  
Switch Fee
Acculynk International Service Fee 0.300 % + 15¢