Should I accept PIN debit in my store?

 A common question that retailers ask me is if it makes sense to accept PIN debit in my store or should I run debit cards as credit cards?

• PRO: Extra Security
• CON: Slows down the lines
• FACT: Can’t use with Dual Pricing 
• FACT: Cost is about the same for PIN Debit versus running debit cards as credit cards (typical $35 transaction = ~$.70 for PIN debit versus ~$.77 for debit run as credit)

With the Durban Amendment,  there is a "breakeven" point right around $35 in transaction size where it makes sense to accept PIN debit if the average transaction amount in your store is over $35.

The reality is that you have to decide for yourself based on what is best for your business.