In US e-commerce, which now exceeds $1 trillion a year, the payment brand consumers see (cards, wallets) is separate from the network routing layer behind it. Accel belongs to that back-end layer as a PIN debit network, relaying transactions on debit cards issued by participating financial institutions between banks, and it is exposed to consumers only as a small logo on the back of a card.

So adding an 'Accel payment button' to your own store is not something that can exist. The actual path to accepting US debit card customers is standard card payment integration, covering Visa, Mastercard, and Discover debit, and whether a given transaction routes through the Accel network is decided at the routing layer behind the scenes. Online transactions are sometimes routed as PINless, without PIN entry.

When a US consumer enters debit card details to pay online, that transaction is routed through either the card network or a PIN debit network such as Accel, and is approved by the issuing bank. This routing is back-end processing invisible to the consumer and merchant, and depending on issuer policy, 3-D Secure authentication may be attached. Hecto Financial handles collection of the approved funds (USD), currency conversion, and payout in the contracted currency.

From Hecto Financial's perspective, Accel is unlikely to exist as a consumer payment method that can be contracted and integrated independently. If your goal is to accept US debit card customers, the correct path is to consult on standard card payment integration, which naturally covers transactions that route through Accel as well. Please confirm the specific scope of support with the sales team.

• Business registration country

  Confirm whether a contract is available for merchants registered in Korea

• Sales channels

  The integration method and priority vary depending on your online sales channel mix, such as your own store, open marketplaces, or mobile apps

• Product categories

  Check in advance whether your products fall under categories restricted by Accel's merchant policy

• Local regulatory compliance

  Confirm compliance with US payment and foreign exchange rules, including federal and state consumer protection and card network rules (see official sources below)

Even for debit transactions routed through the Accel network, the merchant's cash flow is identical to standard card payments. Hecto Financial collects the USD paid by the US consumer, converts it, and settles it in whichever of USD, KRW, or JPY was set in the contract. Refunds are returned to the original debit card, and the cycle and fees follow the contract terms.

• Federal ReserveOfficial information on US payment systems and electronic funds transfer regulations (Reg E). Where actual regulations differ from the content of this page, the official source takes precedence.
• Consumer Financial Protection Bureau (CFPB)Official information from the federal supervisory agency for US consumer finance and payment disputes.