PYMNTS

OCTOBER 7, 2020

A very important lever is optimizing transaction message data elements, which involves understanding which elements of a payments message work best depending on the customer’s card issuer. Routing a transaction through a different network — for example a PIN-less debit network — can in certain situations lead to a higher approval rate.

Transactions 103

Transactions Issuers Card Issuer Authorization 103

PYMNTS

JANUARY 30, 2020

The data of 4 million breached debit and credit cards was even posted for sale in late 2019, stolen from four restaurant chains between April and September 2019, and recently made available for purchase on Joker’s Stash, an online black market. That delay appears to be intended to drive up the data’s prices.

Debit Card 73

Debit Card Security Fraud Detection Federal Trade Commission 73

PYMNTS

APRIL 1, 2020

Major worldwide credit card networks turned their attention to the debit market in the 2000s, however, and acquired PIN networks to gain footholds in the growing space. These larger operators sometimes made deals with card issuers, under which the latter would agree to only route payments over the former’s networks.

Debit Card 56

Debit Card Electronic Funds Transfer (EFT) Debit Transaction Federal Reserve 56

Cardfellow

FEBRUARY 27, 2025

In this article, well look at the first one – how AI can help save your business money through debit card interchange optimization. Debit Routing Background The Durbin Amendment and PIN Debit Routing Choosing Debit Networks AI for Debit Routing Which processors offer AI debit routing optimization?

Debit Transaction 40

Debit Transaction AI Transactions Debit Network 40

Stax

MARCH 14, 2024

A consumer using a chip and signature card will sign for the purchase. The signature is compared with the one on the back of the card or with the signature stored in the card issuer’s system. In some cases, it’s less expensive for a merchant to accept PIN debit cards than signature debit cards.

Chip Cards 88

Chip Cards CHIPS EMV Debit Card 88