The white paper "Debit Networks 101" explains how debit networks like Accel, MoneyPass, and STAR enable fast, secure, real-time transactions across a growing variety of payment methods and devices. Debit networks connect issuers, merchants, and processors, simplifying the many-to-many relationships needed for payment authorization, settlement, and risk management. They support both physical and digital transactions, are governed by network operating rules, and must comply with regulations like Federal Regulation E and II. Pricing dynamics involve interchange fees and buy rates, balancing cost-efficiency for merchants with revenue for issuers to maintain competitiveness.

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