Common Debit Card Networks and Their Fees in US

Across the U.S., there are many common debit card networks, and below is a listing of some of the common fees for reference. 

Accel Interchange & Network Rates

Pin Debit	0.05% + $0.21
Pinless Bill Pay	0.65% + $0.13
Internet PIN	0.05% + $0.21

NYCE Interchange & Network Rates

QSR	1.30% + $0.03
PIN Debit	0.05% + $0.21
Internet PIN	0.05% + $0.21

Pulse Interchange & Network Rates

PIN Debit	0.05% + $0.21
Petroleum Base	0.80% + $0.15
Pinless Bill Pay	1.59% + $0.12

Shazam Interchange & Rate Fees

General Retail	0.85% + $0.15
Business Debit Card Present	1.70% + $0.09
Internet PIN	1.15% + $0.15

Star Interchange & Network Rates

QSR	1.15% + $0.08
Petroleum	0.85% + $0.17
Internet PIN	0.90% + $0.195

Understanding the different fees the PIN networks charge is important because it impacts many layers as money flows through the payment system.

For example, merchant transactions involve the merchant, acquiring bank, payment processor, and the issuing bank. All of those layers charge a fee that the consumer never sees but impacts the economics of each layer.

The PIN debit card can help make the transaction more secure for the merchant and the entire payment process.