SterlingRidge
Sterling Merchant · Debit

Debit card processing
with lower interchange costs.

Accept PIN and signature debit in-store and online. Regulated interchange, next-day funding, and same-day approvals for most businesses.

Accept debit cards on every major network

Visa
Mastercard
Discover
Why debit

Six reasons to route
more sales through debit

PIN debit acceptance

Route transactions over PIN debit networks for the lowest possible cost per swipe — customers just enter their PIN at the terminal.

Lower interchange than credit

Regulated debit interchange is capped by law. On a typical basket, debit costs a fraction of what the same sale costs on a credit card.

In-store terminals + online

Accept debit at the counter with pre-programmed terminals, or online through your checkout — one account covers both.

Same-day approvals

Most standard businesses are approved the same day they apply. High-risk verticals typically clear underwriting within a few business days.

Fraud protection

PIN authorization, AVS and CVV checks online, and real-time monitoring keep fraudulent card-testing and stolen-card activity off your account.

Next-day funding

Batches settle overnight and land in your business bank account the next business day — no waiting on weekly deposits.

How it works

Live in three steps,
often the same day

1

Apply in minutes

Tell us about your business and processing volume. Most applications take under ten minutes to complete.

2

Get approved and set up

We match you with the right acquiring bank, configure your terminal or online checkout, and enable debit routing.

3

Start accepting debit

Swipe, dip, tap, or accept debit online. Funds settle to your bank account the next business day.

FAQ

Debit questions,
answered.

Debit interchange on regulated cards is capped by the Durbin Amendment, and PIN debit networks charge lower fees than credit card networks. For businesses with high average tickets, routing sales through debit can meaningfully cut total processing costs.

Pay less on every swipe,
starting this week.

Apply today and start accepting debit with next-day funding. Same-day approval for most businesses.

Sign Up Now

No long-term contracts · No setup fees · No cancellation fees