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Debit Card Processing
Payment Transaction Systems offers comprehensive PIN-based, PINless and signature-based debit card processing so your customers can use their bank ATM cards and check cards to pay for goods and services. Debit card transactions today count for 35% of all card-based transactions. Industry analysts anticipate the total number of electronic debit payments will be greater than the total number of cash and check transactions in 2008.

What is meant by PIN-based, PINless, and signature-based debit?

Arrow Graphic PIN-based transactions occur at the point of sale, and are defined by the entry of a PIN (Personal Identification Number) by the cardholder. Also referred to as online debit.
Arrow Graphic PINless debit transactions are conducted without the cardholder present and are generally used only in processing environments with recurring transactions, such as utilities or other bill payments.
Arrow Graphic Signature debit, also referred to as offline debit, is the use of a check card issued by a bank and with a Visa or Mastercard logo. During the transaction, the cardholder can elect to use the card as Debit (PIN-based) or Credit (Signature-based).

The use of debit cards for payments has increased steadily over time, as much as 25% per year.

Arrow Graphic 30% of all debit point of sale transactions are in the retail segment
Arrow Graphic 18% of debit is transacted in the Travel & Entertainment industry
Arrow Graphic 9% is processed for utility/bill payments
Arrow Graphic 54% of grocery purchases are made with debit cards


Payment Transaction Systems provides access to all major debit card networks, including:

Arrow Graphic Accel Arrow Graphic Maestro
Arrow Graphic AFFN Arrow Graphic NYCE
Arrow Graphic Alaska Option
 Arrow Graphic Pulse (includes Money Station)
Arrow Graphic CU24 Arrow Graphic Shazam
Arrow Graphic Interlink Arrow Graphic Star
Arrow Graphic Jeanie Arrow Graphic

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Apply Now To accept Pin based debit cards for your business.
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Testimonials

 PTS has the best price available. Trust me, I've checked. Anne Wilkinson
Last Christmas my machine stopped working. I called PTS and someone answered on the 2nd ring. They fixed my problem and my customers didn't know anything was wrong. Thanks PTS. David Trung
I Love not having to explain my problem over and over every time I call the help desk. They always connect me to my Relationship Manager who knows my account. She even recognizes my voice. It saves me time and frustration, and time is money. Outstanding. Michelle Eckers

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Features and Benefits

With Every Merchant Account, You Get:
  • FREE Setup
  • FREE Re-Programming
  • Lowest Guaranteed Rate
  • Free 24/7 Support
  • Personal Relationship Manager
  • No Cancellation Fee
  • No Hold Help Desk
  • No Annual Fee
  • No Monthly Minimums
  • No Hidden Fees

 
 

Accept Credit Cards Today

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What Do I Need to Apply?

To Apply For a Merchant Account

You Need The Following:

Apply Online and a knowledgeable Relationship Manager will guide you through the steps needed to activate your merchant account. Our process is accurate, simple and fast.


Questions? Call Us: 888-748-0861

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