Best Online PIN Debit Merchant Accounts

What to Know Before Getting Started

Starting a New Business?

Selecting a credit card processor is often more complicated than most people expect. How much should you be paying in fees? Should you lease or buy equipment? Should you be locked into a service agreement for anything length of time? These considerations and several others are imporant to understand before signing up with any merchant account provider. Mistakes are easily made and can be very costly to your business. Along with seeing our top choices for payment services below, be sure to checkout this post to avoid common traps in the merchant services industry.

Considerations For Current Business Owners

Changing merchant accounts can be an expensive, complicated, and time consuming process. Are you really going to save as much as promised? Do you need to buy to new equipment or sign new lease agreements? Will there be other less accountable costs such as those associated with employee retraining? Before selecting one of our choices below, you may want to consider renegotiating your fees with your current payment processing vendors using the help of a contingency-compensated consultant. It can result in a dramatic decrease in costs without the pains of switching. In some cases business owner have also obtained substantial refunds of prior overcharges along with saving thousands in future processing costs. See this post to learn more about this little-known alternative to changing merchant account provider.

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.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

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 and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

Submit a Statement

  • Accepted file types: jpg, png, pdf, xls, xlsx.