To meet the growing interest from consumers in expanding the use of their debit cards, ACCEL/Exchange facilitates pinless bill payment transactions. A pinless bill payment transaction is one in which the cardholder initiates payment of a bill to a vendor via the telephone or the Internet. This transaction is routed to ACCEL/Exchange without a PIN.

Pinless bill payment transactions allow the cardholder to initiate low-risk transactions without the need to be physically present at the vendor site. These transactions are low risk because of the relationship between the vendor and the cardholder.

The cardholder initiates a pinless bill payment transaction by calling a telephone number or visiting a web site address provided by the vendor. The cardholder enters his card number, card expiration date, amount of the payment he wishes to make, and an additional piece of authentication information such as the vendor account number. This transaction is routed to the Network and subsequently to the card issuer for approval. Upon approval, the funds are transferred from the cardholder’s account to the vendor account. Pinless bill payment transactions may be initiated as single transactions or as recurring payments at the cardholder's option.

Currently the Network supports a wide variety of bill payment transactions for services including utilities, insurance, lenders, education, government and Internet Service Providers (ISPs). The Network continues to research new types of bill payment transactions and expects to add them periodically to enhance its service to cardholders.

Pinless bill payment transactions may be initiated via the Internet, via telephone to an Interactive Voice Response Unit (IVR), or via telephone to a call center.

Click here for a list of participating bill payment providers.