First Data Debit Solutions Deliver Choice and a Lower Cost of Acceptance.

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On average, First Data clients can save
25 to 45
basis points
on debit transaction costs.

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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.

60%
50%
40%
30%
20%
10%
18-24
25-34
35-44
45-54
55-64
65+
10%
20%
30%
40%
50%
60%
Cash Preference
Credit Preference
Debit Preference
18-24
25-34
35-44
45-54
55-64
65+

* The Federal Reserve Payments Study 2016

Cash Preference
Credit Preference
Debit Preference

* The Federal Reserve Payments Study 2016

Meet the growing consumer demand for debit acceptance with First Data Debit Solutions.

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.

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Your Partner of Choice for Debit Acceptance.

First Data is the only single-source provider that can accept debit payments from all channels, all devices, all verification types, and the most networks.

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Channels

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    ATM

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    In-store
    POS

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    Internet
    eCommerce

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    Biller Websites,
    Kiosks

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    In-App

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Devices

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    Magnetic
    Stripe
    Cards

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    Chip
    Cards

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    Companion
    Cards

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    Mobile
    Devices

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    Desktop
    Computers

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Cardholder Verification Types

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    PIN POS

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    PINless POS

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    PINless
    Online

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    Signature
    Debit

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Networks

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Ask our debit experts how your customers and business can benefit from First Data Debit Solutions. Contact ConnectedCommerce@firstdata.com.

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

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.

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.

  • Purchases up to $50 at a POS terminal only require a swipe

  • Can be used at locations such as parking, vending and QSRs

  • It’s cost-effective and could lead to increased sales and customer retention

  • Compatible with increasingly popular mobile readers

  • Ability to verify available funds in real-time
Signature Debit

Merchants that already accept credit cards can easily add signature debit to their mix of payment options. This provides additional network options for debit transactions that decrease costs while maintaining speed at the POS.

  • Seamless set-up process for merchants and an uninterrupted experience for consumers

  • Provides a better choice and greater economic value

  • Enables routing flexibility on all debit transactions

  • Offers flexible solutions to manage transaction risks and back-office processes

  • Allows networks as a second brand on the card, helping issuers meet their Durbin compliance obligations

  • Expands consumers’ buying power beyond traditional credit cards

  • No maximum spending limit on signature debit transactions

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.

  • With eight U.S. network connections and four international network connections, First Data can support least cost routing on virtually all U.S. networks and major international networks
  • PINless debit acceptance payout capabilities
  • Simplified multi-network connectivity in the U.S. and internationally
  • With eight U.S. network connections and four international network connections, First Data can support least cost routing on virtually all U.S. networks and major international networks

  • PINless debit acceptance payout capabilities

  • Simplified multi-network connectivity in the U.S. and internationally

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.

Partner With the Debit Expert and Industry Innovator.

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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

Solutions That Let Your Customers Pay Their Way.

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.

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Ask our debit experts how your customers and business can benefit from First Data Debit Solutions. Contact ConnectedCommerce@firstdata.com.