Debit Card Solutions

PIN-Based Debit
   
For PIN-based debit processing, ECHO supports STAR, Interlink, Maestro, Pulse, and NYCE debit networks. Customers who purchase items with PIN-debit, enter in their PIN number into a PIN pad connected to the POS Terminal and the cardholder's checking account is immediately debited for the transaction. PIN-based debit processing is available to retail storefronts where customers are face-to-face entering a PIN number into a PIN pad device for payment.

Signature-Based Debit

For signature-based debit processing, consumers submit MasterCard and Visa logo-branded ATM cards at the point-of-sale as payment and may be required to provide their signature on the receipt to indicate consumer authorization for face-to-face and retail transactions. Signature-based transactions are processed just like a credit card. However, funds are debited from the cardholder's checking account within two-three business days for the authorized purchase.

Signature-based debit processing is available to retail storefronts, mail order/telephone order, and Internet merchants where signature-debit cards process just like a credit card for both face-to-face and non-face-to-face business environments.