Best Online PIN Debit Merchant Accounts

What to Know Before Getting Started

Prior to 2010, merchant demand for online PIN debit merchant accounts was rapidly increasing. PIN debit transactions came with much cheaper fees than signature debit transactions, so tools that enabled e-commerce vendors to accept PIN debit payments online had the potential to save them a significant amount over signature debit and credit card payments. In 2010, however, the Durbin Amendment was signed into law, which effectively made most signature debit transactions just as cheap as PIN debit transactions. In its wake, merchants and credit card processors alike lost interest in a payment gateway solution that could process PIN debit payments.

Not everyone gave up on PIN debit e-commerce, though. PIN debit still had a reputation for much lower rates of fraud than signature debit transactions, and a significant number of merchants preferred it for this reason. As a result, a company called Acculynk developed a payment gateway called “PaySecure” that enabled buyers to enter their PINs into a graphical PIN pad using their mouse during checkout. To date, PaySecure remains the primary (if not only) internet-based PIN debit payment gateway. Since Acculynk is not itself a merchant account provider, it has partnered with number of processors to make Acculynk available to e-commerce merchants.

Due to the low demand for online PIN debit transactions, most Acculynk partners don’t prominently advertise the availability of the PaySecure payment gateway. This can make it difficult for interested merchants to identify and sort through their available options. That’s why we’ve created this list of the best merchant accounts for online PIN debit payments. The providers in this list have partnered with Acculynk to offer the PaySecure payment gateway in addition to the rest of their payment processing services. Most importantly, all of these providers have received generally positive feedback from merchants regarding their contract terms and customer service. In order to find the provider that is the right fit for them, merchants are encouraged to visit each company’s website and evaluate their full range of services before signing up.

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Why These Merchant Account Providers


Founded in 2008, PayLeap is a service offered by Acculynk that essentially functions as a standalone merchant account provider. PayLeap’s products and services include mobile payments, a virtual terminal, recurring billing, social media marketing, online shopping cart integration, and API integration for developers. Since PayLeap is technically a subsidiary product of Acculynk, its internet PIN debit payment gateway for e-commerce merchants is already pre-integrated and fully featured.

PayLeap charges 1.89% plus $0.29 for PIN debit transactions, 2.39% plus $0.29 for normal debit transactions, 2.89% plus $0.29 for credit card transactions, and a monthly service fee of $19.99 in addition to other fees. Our review of PayLeap currently gives the company an “A” rating, while the Better Business Bureau gives PayLeap an “A.”


Headquartered in San Antonio, Texas, Payment Data Systems is a merchant account provider for both internet and retail merchants. The company was founded in 1998, and its products and services include debit and credit card processing, ACH processing, real-time fund transfers, loyalty programs, prepaid card programs, and sales reporting. Payment Data Systems partnered with Acculynk in May 2016 to offer instant funds disbursement, but its partnership likely includes the PaySecure gateway as well.

Payment Data Systems requires a three-year commitment in its standard contract, but we have not found any merchant complaints related to its pricing or fees. Our review of Payment Data Systems currently gives the company an “A” rating, while the Better Business Bureau gives it an “A+.”

Heartland Payment Systems

Based in Princeton, New Jersey, Heartland Payment Systems is a very large credit card processor that was recently acquired by Global Payments. Heartland Payment Systems’s products and services include mobile payment processing, a virtual terminal, an online storefront, micropayments solutions, gift and loyalty programs, point-of-sale systems. In March 2011, Heartland partnered with Acculynk to offer its PaySecure internet debit PIN payment gateway. While the company no longer promotes the PaySecure gateway, there is no indication that it has removed it from its product lineup.

Heartland offers all of its merchants interchange-plus pricing. Our review of Heartland currently gives the company an “A” rating, while the Better Business Bureau gives Heartland an “A+.”


A division of U.S. Bancorp, Elavon is an Atlanta-based credit card processor that functions as one of the largest merchant services providers in the United States. Elavon’s products and services include point-of-sale equipment, mobile phone processing, online payment gateways, virtual terminals, loyalty programs, and sales reporting. Elavon partnered with Acculynk in August 2015 to offer international payments via the PaySecure payment gateway, which includes online PIN debit payments.

Elavon’s large merchant base enables it to customize its pricing for small, midsize, or enterprise-level merchants. Our review of Elavon currently gives it a “C” rating, while the Better Business Bureau gives Elavon an “A.”

Other Merchant Account Options

The providers in this section may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them here to provide a broader view of potential merchant account options. Are you a decision maker with your company and believe that you should be listed below? Tell us here.

Bank of America Merchant Services

Bank of America Merchant Services is the merchant services branch of Bank of America and is one of the largest credit card processors in the United States. It is partnered with First Data and TSYS to provide a wide range of products, including tablet POS solutions, mobile phone processing, gift and loyalty programs, e-commerce solutions, and international payment processing. Bank of America Merchant Services partnered with Acculynk in July 2012 to offer the PaySecure online PIN debit payment gateway solution.

Bank of America’s huge size enables it to customize its pricing for all merchant types. Our review of Bank of America Merchant Services currently gives the company a “C” rating, while the Better Business Bureau does not maintain a specific profile for Bank of America Merchant Services.

If your business offers online PIN debit payment processing, please leave a comment in the comment section below or contact us through our contact page in order to get listed in this article.

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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