More and more consumers prefer using debit cards as they're easier to use than a check. Statements are itemized with the location and time of the debit card transaction. Checks are not. Most debit cards double as ATM cards. There's less for the consumer to carry around. The consumer uses his checking account instead of adding to his credit card debt.

Benefits of Debit card processing
Debit Cards provide the following benefits to the consumers:
 

• Payment convenience and safety: You don't have to carry a checkbook or large sums of cash when you shop.
  
• Wide acceptance: Debit cards are more widely accepted than checks, especially when you travel. They're great for online shopping, too. Fast, easy payment process. No checks to write.
  
• Easier qualification. Since debit cards use your own money, not your credit, they're often easier to get than credit cards.
  
  It Online debit provides fast, efficient online processing. The merchant swipes the cardholder's ATM or check card and the customer enters their Personal Identification Number (PIN). The POS terminal dials for an authorization directly to the card issuer and the cardholder's checking account is immediately debited.
  
  Offline debit funds are immediately verified and the merchant is guaranteed payment. Check cards can be swiped by any credit card POS terminal. Offline purchases are debited to the cardholder's checking account within 2-3 business days.
  
  Merchant Services Benefits
  
• Fast approvals - Authorized transactions in seconds
  
• Fraud prevention - Purchase amounts are 100% authorized at the point-of-sale, reducing losses due to fraudulent checks
  
• Increased sales - Statistics show the average ticket sale is increased with debit acceptance .
  
• Minimum investment - Just add a low-cost PIN pad that works with your existing equipment
  
• Security - Online debit transactions are encrypted to protect the integrity of the cardholder's personal banking information
  
• Cash management - Funds are available sooner than with personal checks. Debit transactions are funded within 2-3 days of batch settlement
  

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