Payments Network

A member-owned network built to power your success

What started as the nation’s first shared EFT network has grown into one of the largest independent debit networks in the U.S. Today, the SHAZAM payments network connects financial institutions, merchants and technology partners through resilient infrastructure built for modern transaction demands.

Because SHAZAM is member-owned — not shareholder-driven — every investment strengthens the institutions we serve. Our network delivers secure, fast, reliable transaction processing while helping clients boost interchange revenue, maintain regulatory compliance and offer seamless payment experiences.

As a domestic payments network operator, SHAZAM integrates easily with major card brands like Visa^® and Mastercard^®. Issuers gain the flexibility to choose optimal routing combinations while maintaining nationwide acceptance.

With SHAZAM, you get more than a payments network — you gain a partner focused on long-term success, operational resilience and strategic independence.

Discover the power of debit routing choice

As an independent debit network, SHAZAM provides flexible routing pathways that allow you to optimize transaction performance. Support for single-message and dual-message transaction processing enables efficient routing across a wide range or payment environments.

Sure Pass^® is SHAZAM's pathway for single-message transactions, delivering real-time authorization and settlement for high-volume debit activity. Common uses include:

PIN and PINless debit transactions
Contact and contactless EMV^® payments
Bill pay transactions
Peer-to-peer transfers

Elite Pass^® supports dual-message transactions, providing secure authorization and settlement for card-not-present and digital payment environments. Common uses include:

E-commerce purchases
Recurring and installment payments
Signature debit transactions
Card-not-present transactions

Together, these pathways give you greater control over routing strategy, transaction efficiency and cost optimization.

Ready to unlock your routing freedom?

Boost your net interchange profitability

Selecting the right payments network operator directly impacts financial performance. For community financial institutions, debit interchange remains one of the most important sources of non-interest income.

The SHAZAM payments network is intentionally structured to strengthen net interchange (the revenue remaining after issuer fees and processing costs). Because we're member-owned, our pricing philosophy prioritizes sustainable profitability for our clients — not shareholders.

We help improve transaction economics through:

Competitive single-message pricing structures
The industry’s lowest issuer switch fee
Strategic rate design focused on maximizing net interchange
Flexible routing options that maintain Durbin Amendment compliance
Support for both domestic and global network combinations

With SHAZAM, every transaction is engineered to return more value to your institution and your community.

Ready to improve your net interchange?

Protect transactions with advanced security

Payments security must operate continuously across every transaction environment. As a trusted payments network operator, SHAZAM integrates advanced security protection directly into our network.

Our approach helps financial institutions, fintech platforms and merchants mitigate risk while maintaining seamless payment experiences. Key security capabilities include:

Real-time transaction monitoring and anomaly detection
Fraud analytics and risk scoring
Encrypted transaction messaging
Secure card authentication and authorization controls
Integrated dispute and chargeback processes

By embedding fraud prevention directly into our payments infrastructure, SHAZAM helps you detect threats earlier, reduce losses and maintain confidence across every transaction.

Ready to reduce risk and increase peace of mind?

Strengthen compliance with confidence

With today’s regulatory landscape, maintaining debit and payments compliance is essential — not optional. SHAZAM’s member-owned model and deep industry expertise ensure our clients have the guidance, tools and network support needed to stay fully compliant while protecting revenue and routing choice.

Our independent, Durbin-compliant debit network is built to uphold your regulatory obligations without limiting flexibility. We actively support your institution as you:

Preserve Durbin routing choice with flexible domestic and global network pairings
Meet regulatory requirements through transparent pricing, fair rules and clear governance
Stay aligned with evolving standards through our leadership in the Debit Network Alliance and Secure Payments Partnership
Reduce operational risk with consistent card-brand alignment and secure, standards-based processing
Stay prepared for change with ongoing updates on regulations impacting debit, routing, fraud and faster payments

Ready to strengthen your compliance posture?

Built for reliability and real-time payments

Modern payments never sleep, which is why the SHAZAM payments network is engineered to maintain industry-leading reliability and resilience. We support uninterrupted processing across POS purchases, e-commerce payments, digital wallet transactions and more.

99.99% uptime

Reliable network availability decreases the risk of lost transactions

Redundant infrastructure

Multiple data centers protect network performance against outages

Real-time monitoring

Continuous transaction and system monitoring tools rapidly detect issues

High-volume capacity

Effectively handles peak traffic to keep real-time payments moving

A network that's always within reach

A debit network is only as strong as its connections — and SHAZAM gives you reach that matters. Our network links financial institutions, merchants, ATMs and payment channels across the country, giving cardholders the freedom to pay wherever they are.

With SHAZAM, you gain:

Nationwide ATM access
Reach to nearly every U.S. debit card and account
Acceptance across retail, e-commerce and emerging channels
Interoperability with global networks like Visa^® and Mastercard^®
Support for mobile wallets and new payment technologies

The power behind real-time payments

Consumer expectations are shifting fast — and real-time is quickly becoming the standard. To keep up, you need payments infrastructure that can move money instantly and operate with absolute reliability.

The SHAZAM payments network is engineered for the speed, scale and always-on availability today's environment demands. We support:

Real-time debit authorization
Instant funds disbursement
High-volume transaction processing
Continuous 24/7/365 availability with 99.99% uptime

Dependable payments infrastructure for an always‑on world

As demand for faster, more secure transactions accelerates, the SHAZAM payments network keeps your institution ahead of what’s next. We invest continuously in the technology, resiliency and interoperability required to power the next generation of real‑time payments.

Whether you’re expanding your capabilities, strengthening your infrastructure or looking for a network partner who puts you first, SHAZAM delivers the connectivity, flexibility and control you need to compete — and win.

Ready to upgrade to a smarter payments network?