Debit Card Processing

PayArc provides select merchants the ability to process debit card transactions at a discount thereby reducing the fees paid by merchants.  Utilizing PayArc’s PIN Debit and PINLESS Debit solutions, merchants can take advantage of all the services provided by our credit card processing solutions, however, at the same time save even more money.

PINless Debit payments refer to debit card purchases made over an EFT Network (Star, Pulse, NYCE, etc.) without a customer entering their PIN. PINless Debit payments started in the late 1990s within the VRU Channel as a method for EFT networks (PIN networks) to penetrate the card-not-present space.