What Is Debit Routing? A CMSPI Insights Infographic

20th April 2021
Contributor:
Christian Johnson
Christian Johnson

The Durbin amendment to the Dodd Frank Act in 2011, the first meaningful regulation around payments costs in the U.S., saved merchants and consumers billions of dollars annually by introducing caps on interchange.

In addition, the regulation introduced the “no-network exclusivity” clause which required at least two competing card networks to be branded on a debit card. This clause allows merchants to choose which network to route to for their debit transactions. As a result of debit routing, CMSPI estimates that merchants and consumers have been able to achieve up to $1 billion in annual cost savings.

CMSPI’s infographic on debit routing explains the uses and benefits of debit card routing to merchants and consumers.

View the Infographic Below

What Is Debit Routing? A CMSPI Insights Guide

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