Introduction to PIN Debit Processing

Customers commonly use debit cards, also called

ATM cards

or

check cards

, in card-present situations. Your agreement with the debit networks determines whether the customer must provide a personal identification number (PIN).

Debit cards are branded with debit network logos, such as STAR, NYCE, Accel, and Pulse, and often with Visa or Mastercard logos. The logos indicate that the cards are accepted wherever Visa or Mastercard are accepted and are processed through a debit or credit card network.

The customer chooses whether to process the card as a debit card or a credit card. In either case, the money is taken out of the customer's bank account, and the transaction is included on the customer's bank account statement. The customer does not receive a credit card bill as they would with a regular credit card.

Cybersource

supports PIN debit transactions on

Visa Platform Connect

. PIN debit transactions are supported only in the U.S.