What NYCE Payments Network, LLC does

NYCE Payments Network, LLC operates a U.S. debit payment network and ATM network as a fully owned affiliate of Fidelity National Information Services (FIS). Founded in 2000 and headquartered at FIS's corporate offices in Jacksonville, Florida, NYCE provides real-time debit payment routing and ATM access for cardholders of issuing banks and credit unions, with network reach spanning the continental United States, the District of Columbia, and Puerto Rico. The platform supports both card-present transactions (POS and ATM) and card-not-present use cases including e-commerce, bill payments, A2A, B2B, B2C, and P2P transfers, and accommodates multiple form factors ranging from physical cards to wallets and wearables.

The company's core technical asset is its network infrastructure and its integrations with leading U.S. EFT processors and merchant acquirers. It operates the SUM ATM® surcharge-free program, which gives cardholders access to thousands of surcharge-free ATMs beyond their own institution's footprint. Dedicated NYCE and SUM ATM locator tools support cardholder cash access. NYCE and SUM ATM are registered trademarks.

NYCE generates revenue primarily through interchange and network transaction fees on debit volume routed across the network, with participating financial institutions receiving a share of interchange. Go-to-market is exclusively B2B enterprise sales into banks and credit unions, executed largely through FIS's broader sales organization and supported by thought-leadership content, e-books, and client-story collateral. Pricing is not publicly disclosed; institutions work with NYCE client services managers to contract terms, and SUM enrollment can typically be completed in under 30 days.

Name

NYCE Payments Network, LLC

Legal name

NYCE Payments Network, LLC

Website

https://nyce.net

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

NYCE Payments Network, LLC, a fully owned affiliate of FIS, operates a U.S. debit payment and ATM network serving banks and credit unions with real-time card-present and card-not-present transactions, including the SUM surcharge-free ATM program.

Ownership category

akta.pro rank

Product category

Payment Networks

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Payment Orchestration Platforms (Multi-PSP Routing) (FSAMACAB)

akta.pro secondary industry

Payment Orchestration Platforms (FSAGABAA)

Keywords

• Debit payment network
• ATM network services
• Surcharge-free ATM program
• Payment processing infrastructure
• Debit card services

Headquarters

HQ city

Secaucus

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Operations, Marketing or Sales

Revenue model

1. Interchange and Network Fees: Generates revenue through interchange fees and network transaction fees from debit card transactions processed through the NYCE network. Delivers high interchange revenue and superior net economic value to participating financial institutions.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

NYCE Payments Network operates a debit payment network and ATM network providing secure, real-time card-present and card-not-present payment processing for financial institutions across the U.S. and Puerto Rico. The company enables debit card transactions including e-commerce, bill payments, A2A, B2B, B2C, and P2P, and operates the SUM ATM surcharge-free program giving cardholders access to thousands of surcharge-free ATMs.

Product overview

NYCE Payments Network, LLC offers a debit payment network platform alongside supplementary services. The core offering is the NYCE Payments Network, which provides secure, real-time debit payments and ATM access through card-not-present transactions (e-commerce, bill payments, A2A, B2B, B2C, P2P) and card-present transactions nationwide. The portfolio includes the SUM ATM surcharge-free program, which extends cash access without surcharge fees through thousands of ATMs, and associated ATM locator tools for both NYCE and SUM networks. The company is a fully owned affiliate of FIS.

Differentiator

Problem solved

Functional benefit

Brands

• SUM ATM: Surcharge-Free ATM Network Program - provides cardholders with access to cash at thousands of surcharge-free ATMs throughout the U.S. plus the District of Columbia and Puerto Rico.

Products and services

• NYCE Payments Network A debit payment network providing secure, real-time payments and ATM access for debit cardholders through card-present and card-not-present transactions (e-commerce, bill payments, A2A, B2B, B2C, P2P) across a nationwide network in the U.S. and Puerto Rico. Sold to financial institutions including banks and credit unions.
• SUM ATM Program A surcharge-free ATM program enabling participating cardholders to access cash at thousands of ATMs throughout the U.S., District of Columbia, and Puerto Rico without surcharge fees. Financial institutions designate ATMs for SUM participation while retaining surcharge revenue at non-participating ATMs.

Quantifiable outcome

• Strong economics with high interchange revenue and superior net economic value for participating financial institutions
• +1 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• CUHEREcoreStrategic or Co-development PartnerCUHERE partnered with SUM ATM to expand surcharge-free access for participating cardholders. This partnership extends the SUM network's reach and provides additional value to credit union members.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• STAR Network: STAR Network is one of the largest U.S. debit EFT networks, owned by Fiserv. It directly competes with NYCE for issuer and acquirer relationships across debit point-of-sale and ATM access, operating on the same network-based business model with interchange and network fees.
• Pulse (Discover Financial Services): Pulse is a U.S. debit EFT network owned by Discover Financial Services. Like NYCE, Pulse provides point-of-sale debit, ATM access, and network services to banks and credit unions, competing head-to-head for issuer participation and surcharge-free ATM programs.
• Shazam (Fiserv): Shazam is a regional U.S. debit EFT network owned by Fiserv, historically strong in the Midwest. It competes directly with NYCE for community bank and credit union issuer relationships and offers surcharge-free ATM programs analogous to SUM.
• Cirrus (Mastercard): Cirrus is Mastercard's global ATM network, providing interbank cash access. While it focuses primarily on ATM rather than point-of-sale, it competes with NYCE's ATM and network services and serves many of the same financial institution customers.
• Plus (Visa): Visa's Plus network is a global interbank ATM network offering cash access across 200+ countries. Like Cirrus, it competes with NYCE on ATM network access, particularly for financial institutions evaluating ATM partnerships.

Broad incumbents

• Visa Debit Processing: Visa's debit processing services dominate U.S. debit issuance. As a broad incumbent, Visa competes with NYCE for debit routing, particularly post-Durbin, and offers a much wider acceptance and product portfolio than a regional debit network.
• Mastercard Debit: Mastercard's debit network and processing services are major competitors to NYCE at the issuer and acquirer level. As a broad incumbent, Mastercard offers global acceptance, tokenization, and digital wallet integration that smaller networks must match.
• Fiserv Inc. Fiserv is a major financial technology company and the parent of STAR and Shazam. As an FIS competitor broadly, Fiserv offers overlapping debit processing, core banking, and merchant services that compete with NYCE and the wider FIS portfolio.
• Jack Henry & Associates: Jack Henry is a fintech provider to community banks and credit unions offering debit and ATM services including the jhaPaymentech and ATM-related solutions. As a broad incumbent in bank tech, it competes with NYCE's distribution channels into the same target FI segment.

Regional players

• ATH (Banco Popular de Puerto Rico): ATH is a regional interbank debit network dominant in Puerto Rico. It overlaps with NYCE's Puerto Rico coverage but is a geographic competitor for issuer and merchant routing in the Caribbean market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/fisglobal
• Facebookfacebook.com/FIStoday
• LinkedInlinkedin.com/company/nyce-payments-network-llc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NYCE Payments Network, LLC