Debit cards account for approximately 48 percent* of all payment transactions, both online and in-store. Their popularity and usage are increasing with consumers in all age groups.
A single-source provider, First Data delivers end-to-end debit solutions for in-store and eCommerce payments that lower the cost of acceptance and provide cost-optimized billing across all channels. Customized to meet a merchant’s strategic business needs, First Data Debit Solutions can help merchants drive revenue and enhance customer loyalty.
Cardholder Verification Types
Empowering Commerce With
Point-of-Sale Debit Solutions.
First Data’s point-of-sale (POS) debit routing solution lowers the cost of acceptance for card-present transactions and simplifies the complexity of network routing.
Pay a lower cost based on networks available on a card
Eliminate the need to become a debit routing expert, since routing service is managed by First Data
Track the cost savings of debit transaction routing with robust reporting
First Data’s POS PINless Debit Solution provides merchants with additional network options for transactions of $50 or less, which decreases costs while maintaining speed at the POS.
PINless Debit First Data’s POS PINless Debit Solution provides merchants with additional network options for transactions of $50 or less, which decreases costs while maintaining speed at the POS.
Delivering Cost-Effective Debit Solutions for eCommerce.
First Data’s eCommerce debit routing solution provides a default platform that processes millions of card-not-present PINless debit transactions. By routing debit volume to independent debit networks, merchants can reduce the cost of payment acceptance while increasing approval rates.
First Data's debit routing capabilities provide much more value than cost reduction. Our multi-variable routing engine allows merchants to customize preferences for every transaction we touch. This allows merchants to route based on factors such as approval rates, transaction size, liability shift and ticket size.
The First Data Advantage.
With lower processing fees and large scale debit card coverage, First Data offers the most comprehensive and cost-effective eCommerce debit solution in the market.
Merchants can also benefit from international debit acceptance with incremental cross-border sales via the same connection.
Simplified, Easy Integration.
First Data has tackled the complexity of the multi-network environment by providing integration via one connection for all networks and transaction types. With a single reporting and exception-handling platform, First Data also streamlines processes to provide global debit capability with simplified integration and management.
First Data Introduces a New Disburse-to-Debit Solution
Global merchants can now leverage First Data’s debit acceptance gateway to make instant push payments to customers. The new Disburse-to-Debit solution provides merchants with a real-time premium payout solution that’s competitive with ACH economics.
First Data is not only a leader in debit acceptance, it also owns one of the industry’s original debit networks. First Data’s STAR ® Network pioneered debit acceptance in the U.S., and today provides a full-service debit payment network that offers industry-leading fraud protection and coast-to-coast coverage.
An industry innovator for nearly four decades, First Data’s STAR Network has:
The resources to deliver new technology and innovations
The infrastructure to build new products
A proven commitment to protect debit as a preferred payment option
First Data understands the complexities of the payments ecosystem, and can provide a full range of competitive solutions that allow your customers to pay the way they want to pay.
As a strategic partner, First Data offers:
In-depth understanding of the macroeconomic landscape,
consumer trends, regulatory change and technology innovation.
Broad experience and the efficiency of a single, end-to-end solutions provider offering integrated issuing, network and acquiring solutions.
Continued investment in market-driven innovation to move your
business forward and create new opportunities.