Debit Card Processing

PIN Debit

PIN-Based Debit is an electronic payment method that allows cardholders to access funds from their bank account at the point of sale using a debit card and a Personal Identification Number (PIN). The cardholder must enter a PIN to authorize payment of goods, and once the transaction is authorized, the money is debited from the cardholder’s bank account and credited to the merchant.

Debit cards work with the same ease as credit cards and allow customers to deduct funds for purchases from their bank account (usually their checking account). True debit cards require a PIN number to be entered before a purchase can be complete. Many people refer to the Visa/MasterCard Check Cards as Debit cards since they do the same as true Debit cards, except for the fact these check cards do not require a PIN number to make purchases. You can easily identify check cards as they will have the familiar Visa or MasterCard logos on them.

Pinless Pin Debit

By accepting Pinless Debit transactions you can enable your customers to pay for internet transactions with their debit card without using a PIN.

Pinless Debit is limited to certain business segments and is based on reoccurring payments. Segments that are currently eligible for this Pinless Debit are:

  • Utilities – Telecom, Cable, Satellite, etc
  • Education – Universities and Colleges
  • Government Agencies – City, County, State and Federal
  • Miscellaneous Bill Payment Businesses – Insurance, Medical
  • Regulated industries regarded as low risk. Merchants must prove to have a close relationship with customers and have the immediate ability to discontinue services if payment returns.

Virtual Point of Sale

Prismpay  is one of the few merchant service providers with the capability to process Pinless Debit transactions. We have integrated this ability with our Prismpay gateway providing a seamless set up process through our Virtual Point of Sale for you and an uninterrupted experience for your customers.


Prismpay’s API’s offer detailed technical information for your technical support staff responsible for integrating your existing e-commerce system with Online Commerce Suite (SOAP, XML interface, Java ,Perl , PHP, SecurePost, ect…)

For more information about PrismPay’s APIs, click here.