Over the past few years, we at North American Bank Card have found that many of our customers prefer to pay by debit rather than credit, cash or check.

Merchants who accept pin-based debit transactions reduce the cost of accepting credit cards significantly by paying a flat transaction fee rather than a percentage-based commission. Pin-based debit transactions virtually eliminate the possibility of fraud and chargebacks while standard options such as debit surcharges and ‘cashback’ are also available.