Debit optimization helps Butchers do two things they care about most: saving money and reduce the risk of fraud.
By routing debit card payments through the most cost-effective channels, our solution ensures lower processing fees while increasing transaction security. It's a simple, behind-the-scenes upgrade that delivers real financial value — without changing how you do business.
Every debit transaction takes one of two paths — and the difference impacts your costs, security, and chargeback risk.
One option is the credit rail, which runs through card brands like Visa, Mastercard, Discover, and Amex (logos on the front of the card). The other is the debit rail, which uses debit networks such as STAR, Pulse, Interlink, and others listed on the back.
Routing through the debit rail requires the customer to enter a secure PIN — confirming they’re likely the authorized user. While EMV chips help prevent counterfeit cards, only a PIN can stop unauthorized use of a real card.
By selecting the most secure and cost-effective path, your business benefits from lower processing fees and stronger protection against fraud and chargebacks.
One of the fastest-growing threats to businesses today is friendly fraud — when a cardholder disputes a legitimate transaction, claiming it was unauthorized in order to reclaim the funds.
Using a PIN adds a critical layer of protection. When a transaction is validated by a PIN issued by the cardholder’s bank, it signals to the issuing bank that the purchase was most likely authorized by the actual cardholder. This makes banks far more likely to request supporting evidence from the cardholder before proceeding with a chargeback.
By using PIN debit, your business strengthens its fraud defenses before a chargeback even appears — helping you avoid costly disputes and lost revenue.
Credit and debit rails come with different processing costs, depending on the network used to authorize the transaction. If your business doesn’t prompt customers to enter a PIN when using a debit card, you may be paying more than necessary.
Debit optimization ensures your PIN-capable devices automatically prompt for PIN entry as soon as a debit card is detected. While signature fallback is still available when needed, prompting for a PIN first gives your business greater control over processing costs and fraud risk.
In most major markets, debit transactions now require PIN entry — and for good reason. While EMV confirms that a card is valid, only a PIN confirms that the cardholder is authorized to use it.
Allowing customers to bypass PIN entry in favor of a signature weakens that protection and reduces your ability to fight fraud and chargebacks.
Why make the shift to PIN debit?
Prompting for PIN on every debit transaction helps your business stay secure and cost-efficient — without changing how your customers pay.