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The Complete Guide To PCI Fees: How To Avoid PCI Compliance & Non-Compliance Fees (Plus How To Spot A Scam)

    Frank Kehl
  • UPDATED

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Frank Kehl

Frank Kehl

Expert Analyst & Reviewer at Merchant Maverick
Frank Kehl has been researching and analyzing merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law.
Frank Kehl
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49 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    jp

    I was told by WorldPay / FISGlobal to fill out this PCI complaince survery from SecureTrust. They’ve been charging $65/month for noncompliance. And frankly, there’s not a single small business that could answer yes to each of those questions. The questions are so technical that 99.99999% wouldn’t even understand the questions. There’s literally over 300 questions about your computer network. I’m pretty technical but this is certificably insane. I would charge thousands as a service provider to do an actual audit of data systems for this purpose. No small business has the knowhow or funds to audit their systems in this way or pass this.

      Frank

      hello

      with all due respect , it may be because the transactions you process may fall into high risk or breathable business type. Although, that is awfully high cost, please contact FISGLOBAL and ask them if you can take an optional approach to paying the PCI charges. Normally this is paid quarterly and online testing should take about an hour . Make sure there wasn’t any key error when they processed your agreement

        Scott

        I work with a small non-profit organization that is run mostly by volunteers. We have also been decreed “PCI Non-compliant”.

        In the past four years, we have processed a grand total of $18,369.39 in credit card charges, all but six of which have been “card present” transactions.

        During that same four year period, our merchant services provider has charged us $14,628.02 in fees of one type or another, mostly “PCI Non-compliance” fees. This equates to an effective rate of 79.6%.

        Yes, our volunteers have been negligent in not questioning the exorbitant CC processing charges, but one would think that a reputable company would have at least asked why the SQS was not completed instead of just piling up the fees.

          SCOTT TANKER

          Nice reading your stuff.
          i wish clients understood the fees and that most are necessary and proper.
          question?
          what is a RAAP fee?
          Scott

            This comment refers to an earlier version of this post and may be outdated.

            Jessica Dinsmore

            Hi Scott,

            It doesn’t look like we have any posts that cover the RAAP fee, but I did find this post on another site that may help.

              This comment refers to an earlier version of this post and may be outdated.

              Frank

              Regulatory Accounting Assistance Program. The Regulatory Accounting Assistance Program (“RAAP”) is an online and a paper reporting documented to assist you with reconciling your gross sales with your net sales : a fee charge to the merchant after sales processing with your Acquirer or Aggregator (Merchant Service Provider). Some will charge you a RAAP fee for each of your unique Taxpayer Identification Numbers (per location) .

                Afshan Shahid

                My second complaint against Payment Sense is that they have been charging me GB 35 per month for PCI non-compliance fee. Isn’t it a rip off? Is there any cap on this? Worldpay used to charge me only 10 pounds for this negligence on my part. Is there any forum where I can lodge a complaint for reduction of this exorbitant PCI non-compliance fee?

                  This comment refers to an earlier version of this post and may be outdated.

                  Jessica Dinsmore

                  Hi Afshan,

                  I have not seen any complaint forums for PaymentSense, though you could leave a review on TrustPilot, but they do list the fee in their FAQ’s and they have their own internal complaint process that you can submit to, if you’d like.

                    This comment refers to an earlier version of this post and may be outdated.

                    Afshan Shahid

                    I am dealing with Payment sense. Recently they took out GB 174 from my account as DD without my information. It put me in an embarrassing position when my debit card was declined for insufficient funds for purchase of an air ticket. When I asked for explanation, they said they had “upgradd” me from Viewmylocal to Plus by PaymentSense. Honestly I never knew what was Viewmylocal programme and what this new upgraded plan is . Their contention that they had informed me about this change 10 months ago is not tenable.How they entered me in the original without my consent;upgrading me to Plus is similarly without my consent. Aren’t they under obligation to get express consent of the client for any such scheme instead of merely saying “we informed you last May”?
                    Upon my protest, they have deactivated my account but I am not satisfied with this practice of theirs. Is there any forum where I can lodge a complaint against them ? Specifically, no service provider should include the namrer of any client in any fee-paying scheme without his/her express consent.

                      This comment refers to an earlier version of this post and may be outdated.

                      Patrick

                      PaymentSense are scammers. Luckily I was able to cancel within a couple of months because the sales representative had falsified documents and lied about fees. “Consent” is a vague term to these guys! There seems to be little in the way of regulation in this industry though.

                        Glynne Davies

                        I need help with a fine from intuit of 25000 ! Card association fine for brand damaging transactions
                        What do I do???

                          This comment refers to an earlier version of this post and may be outdated.

                          Jessica Dinsmore

                          Hi Glynne,
                          I’m so sorry you’re going through this. Try searching “PCI Compliance lawyer”. Best of luck to you.

                            This comment refers to an earlier version of this post and may be outdated.

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