Debit Savings Dashboard

Debit Savings Dashboard breaks down debit volume and effective rates by regulatory category and card product type, giving you a clear view of how the Durbin Amendment affects your debit mix and what that means for your interchange costs.

Because regulated and exempt debit carry very different interchange rates, understanding your mix across Regulated-Sig, Regulated-PINless, Exempt-Sig, and Exempt-PINless categories is key to benchmarking performance, identifying routing opportunities, and managing the true cost of debit cards.

This dashboard displays debit transactions for USA-based accounts, excluding refunds.

Savings calculations are based on the average monthly cost for Sig vs PIN/PINless by Debit Regulation Type at the company level.

Understanding Debit Regulatory Categories

Everything on this dashboard is organised around five categories, determined by issuer size (Durbin regulation status) and authentication method. Knowing which category your volume sits in is what makes the rest of the dashboard actionable, because the cost difference between them is large and routing is often the lever that moves volume between them.

Category	Description
Regulated-Sig Debit	Debit cards subject to the Durbin Amendment, authenticated via signature. Issued by banks with over $10B in assets. Rates are capped by regulation, making this the lowest-cost signature debit category.
Regulated-PINless Debit	Durbin-regulated debit routed without a PIN. Often eligible for least-cost routing optimization.
Exempt-Sig Debit	Debit from smaller issuers exempt from Durbin caps, authenticated via signature. Carries the highest effective rates of all debit types.
Exempt-PINless Debit	Debit from Durbin-exempt issuers, routed without a PIN. Moderate rates, lower than Exempt-Sig but significantly higher than regulated categories.
Others	Miscellaneous or unclassified debit transaction types.

The gap between Exempt-Sig Debit and Regulated-Sig Debit is the cost significance of your debit mix in one comparison. Shifting volume toward regulated or PINless routing is where the savings come from.

Total Sales (Stacked Bar Chart)

Use this chart to answer one question: what share of your debit volume is sitting in expensive categories, and is that share moving?

Each bar is one period of Net Sales, split into the five categories, with the percentage share printed inside each segment and the period total printed above the bar. That layout lets you read mix and absolute volume at the same time, which matters because a category can grow in dollars while shrinking in share, or the reverse.

What to look for:

A growing Exempt-Sig share is the warning sign. That is your highest-cost category, so an upward drift there raises blended debit cost even if total volume is flat.
A growing Regulated-Sig or Regulated-PINless share is the opposite, and is what a successful routing change looks like in this view.
A large Others segment usually points to unclassified transaction types rather than a real cost story, so treat it as a data question rather than a routing opportunity.

Because the totals are labelled on every bar, this is also the fastest place to spot seasonality in debit volume before you start reading anything into a month-over-month rate change.

Effective Rate by Category (Multi-Line Chart)

The stacked bar tells you how your volume is distributed. This chart tells you what each category actually costs, with one line per category over the same period.

Read it in two ways. Comparing lines to each other quantifies your routing opportunity: the vertical distance between the Exempt-Sig and Exempt-PINless lines is roughly what you would save per dollar by routing that volume PINless, which is the number to take into a routing conversation.

Watching a single line over time tells you something different. A category's rate should be fairly stable, so a line that drifts without any change in mix usually signals a card mix shift inside that segment or a change in interchange qualification. That is worth investigating on the Interchange Savings dashboards rather than here.

Pivot Table

The charts work at the category level. Use the pivot table when you need to know which specific acquirers, networks, or card products are behind what the charts are showing, and when you need the numbers in a form you can export.

This is also the only place on the dashboard where savings are broken out by fee type rather than shown as a single combined figure, which is what makes it the section to use when you are building a business case rather than just spotting a trend.

Controls:

Measure: multi-select, so you can place several metrics side by side rather than switching between them. All 11 measures are selected by default, which is usually more than you need. Clear the selection and pick the two or three that answer your question, otherwise each grouping row expands into 11 lines and the table becomes hard to scan.
Groups: sets how many grouping levels the table drills through, up to three, each chosen independently. The default arrangement is IC : Regulated, then Card : Debit Network Type, then MID : Acquirer, which reads as regulated vs exempt, split by PIN/PINless vs Sig, split by who processed it. That is the right starting point for a routing question. Swap the third level to a card or BIN dimension when you need to identify specific card products instead.

Savings measures

Three of the measures deal with savings, and the distinction between them is the one most worth understanding before using this table.

Measure	What it tells you
Total Interchange Savings	The interchange portion of your debit savings. Interchange is the largest component of debit cost, so this is normally the dominant figure and the one to lead with when quantifying the value of a routing change.
Total Network Fee Savings	The network fee portion of your debit savings, held separately from interchange. Smaller in absolute terms, but it moves independently of interchange, so a routing change that looks marginal on interchange alone can still be worth making once network fees are included.
Total Savings	The combined savings figure. Use it for a headline number, and drop to the two measures above when you need to show where the saving actually comes from.

Pair these with Interchange Fees, Network Fees, and Acquirer Fees when you want savings shown next to the costs they were measured against, rather than in isolation.

All available measures:

Measure	Description
Sales	Total sales volume for the group in the selected period.
% of Total Sales	This group's share of total sales.
Transactions	Transaction count.
Effective Rate	Total Fees ÷ Sales.
Interchange Fees	Total interchange fees paid for the group.
Network Fees	Total network fees paid for the group, held separately from interchange.
Acquirer Fees	Total acquirer fees paid for the group. Useful when comparing acquirers at the third grouping level.
Total Fees	Total dollar amount of all fees charged for the group.
Total Interchange Savings	The interchange component of estimated debit savings.
Total Network Fee Savings	The network fee component of estimated debit savings.
Total Savings	Estimated exempt and regulated debit savings achieved, combining the interchange and network fee components.

Filtering Tips

Use the Filters button at the top right to refine your view:

Acquirer / MID: isolate debit performance for a specific processor or merchant account. Useful when you route the same card types through more than one acquirer and want to know whether they are performing differently.
Card Brand: filter to Visa or Mastercard debit if your mix spans both networks, since their debit routing rules differ.

Use Case Example:

"We want to understand if there's an opportunity to reduce our debit interchange costs through better routing."

Review the Total Sales stacked bar to see what share of your volume sits in Exempt-Sig Debit, your highest-cost category, and whether that share has been growing, shrinking, or holding steady

Open the Effective Rate chart and measure the gap between the Exempt-PINless and Exempt-Sig lines. That gap is your per-dollar saving if the volume were routed PINless, and multiplying it by the Exempt-Sig volume from the first chart gives you the size of the prize

In the Pivot Table, narrow Measure to Sales, Total Interchange Savings, and Total Network Fee Savings, and read down the default IC : Regulated to Debit Network Type to MID : Acquirer grouping. This shows you which acquirers are already capturing savings on PIN/PINless volume and which are not, which is usually where the remaining opportunity sits

Swap the third grouping level to a card or BIN dimension to identify the specific card products driving the most Exempt-Sig volume, and share that list with your routing or network team