When you accept PIN debit transactions, you’re processing over different networks than what Visa/MasterCard/AMEX use. These PIN networks are managed separately, and charge annual fees for their usage to MSPs like VizyPay. VizyPay always passes these fees through at cost. VizyPay charges this fee to merchants as a single line item, once a year in the amount of $20/annually. VizyPay does not mark this fee up. Naturally, should you not wish to be subject to an annual PIN network fee, you can certainly opt not to take PIN debit sales. It’s your choice!