Cut Debit Card Processing Costs with Apex (Powered by Beacon)

 

Debit cards are one of the most common ways Americans pay—and for your business, they can also be one of the most cost-effective payment methods, if you’re on the right plan. At Apex, powered by Beacon, we help businesses unlock the lowest possible debit transaction costs through transparent interchange-plus pricing.

What Is the Durbin Amendment?

 

In 2010, the Durbin Amendment—part of the Dodd-Frank Act—changed debit card processing forever.

  • Before: Merchants paid around $0.44 per debit transaction.
  • After: Large banks were capped at about $0.21 + 0.05% of the transaction (with an optional $0.01 fraud-prevention fee).

👉 Today, many debit transactions cost just $0.24—far less than credit card payments.

Why Many Businesses Still Overpay

 

Not all processors pass these savings to you. Watch out for:

  • Flat-rate pricing: Charges debit and credit at the same inflated rate.
  • Tiered pricing: Groups debit into high-cost categories.
  • Hidden markups: Fees buried in confusing statements.

Only interchange-plus pricing ensures you get the true regulated debit cost.

How Apex Maximizes Your Debit Savings

 

With Apex, powered by Beacon, you’ll always:

  • ✅ Pay as low as 0.05% + $0.22 on qualifying debit transactions.
  • ✅ Avoid hidden fees with full transparency.
  • ✅ Gain an edge if you’re in low-ticket, high-volume industries (restaurants, shops, service providers).
  • ✅ Stay compliant and optimized—we constantly review your account for savings opportunities.

 

Are You Missing Out?

 

Many business owners unknowingly overpay thousands per year simply because their processor keeps debit fees blended with credit.

Let us review your statement—free and no obligation and we’ll show you exactly where you could save.

Why Work with Apex?

 

  • True interchange-plus pricing on debit & credit
  • Modern, secure terminals with chip, tap, and mobile support
  • 24/7 U.S.-based customer support Tailored solutions for businesses of all size

 

Start paying what you should, not what your processor wants to charge. With Apex powered by Beacon, debit card processing is finally fair.