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PCI Fees Explained | Compliance & Non-Compliance Charges

Why PCI fees exist, how to become compliant, and how to stop paying the non-compliance penalty.

Updated 2026-02-11

What is PCI?

PCI DSS (Payment Card Industry Data Security Standard) is a security framework required by Visa, Mastercard, Amex, and Discover. Every merchant must attest to compliance annually.

Two fees you might see

  • PCI Compliance fee β€” $9.95/mo or $99/yr. Funds the compliance portal and quarterly scans.
  • PCI Non-Compliance fee β€” $19.95–$39.95/mo. Charged when you've NOT completed your annual SAQ (Self-Assessment Questionnaire).

How to stop non-compliance fees

  1. Log into the PCI portal (link in your welcome email or contact your account manager).
  2. Complete the SAQ (typically SAQ-A for ecommerce, SAQ-B for terminal-only).
  3. Pass the quarterly scan if you take cards online.
  4. Re-submit annually β€” you'll get a reminder email.

Frequently Asked Questions

How long does the SAQ take?

15–25 minutes for most retail/restaurant merchants. Longer if you have a custom checkout integration.

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