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Lower debit card processing rates on the way for some ADA members

ADA members who accept debit cards as payment may notice a change in their processing rates.

As of Oct. 1, new debit interchange rates went into effect as required under the Dodd-Frank Wall Street Reform and Consumer Protection Act (commonly referred to as the “Durbin Amendment”). These new rates may or may not affect ADA members’ accounts. Dentists should note that this amendment only impacts debit card interchange rates.

The rate change is good news for the more than 4,000 ADA members who will benefit from the reduced debit card rates, said Peter Gasparro, group executive of partnership programs at Chase Paymentech, the only debit and credit card processing company endorsed for ADA members by ADA Business Resources.

“We’re pleased to let ADA members know that where possible, the savings associated with these new debit card rates will be passed on to our merchants,” said Mr. Gasparro. “We strongly value our relationship with the ADA and the dental practices we serve.”

The Durbin Amendment regulates rates of signature and PIN debit cards from issuers with $10 billion in assets or higher, said Mr. Gasparro. Such cards are referred to as “regulated.” Debit cards from issuers with less than $10 billion in assets as well as certain pre-paid cards and government-issued debit cards are considered “exempt” from the regulated rate.

ADA members who have questions or want additional information regarding the Durbin Amendment should visit or contact their payment processor.

Chase Paymentech has communicated the details of the Durbin Amendment to ADA member merchants through letters mailed last month. For more information on Chase Paymentech, or to find out how much you could save by switching processors, call 1-800-618-1666 or visit