Seeing a PCI non-compliance fee on your statement is frustrating, especially when you don't even know what it means. The good news? This fee is completely avoidable. Most merchants can become compliant in under 30 minutes and stop paying this fee forever.
PCI DSS (Payment Card Industry Data Security Standard) is a set of security requirements for businesses that handle credit cards. Your processor charges a non-compliance fee if you haven't certified your compliance.
Log into your processor's portal and complete the Self-Assessment Questionnaire (SAQ). For most small businesses using Clover, this is SAQ B-IP or SAQ P2PE. It takes about 15-30 minutes.
Some business types need quarterly vulnerability scans. Your processor can provide an approved scanning vendor. These are typically automated and don't require technical expertise.
After becoming compliant, call your processor and request a refund of recent non-compliance fees. Many will credit back 1-3 months of fees as a goodwill gesture.
| Feature | Clover | CapClover |
|---|---|---|
| Customer Support | ✗ Long hold times, unresponsive | ✓ Your assigned rep's direct line |
| Business Funding | ✗ Limited or no options | ✓ Up to $500,000 |
| Approval Time | ✗ Weeks or denied | ✓ Same-day decisions |
| Hidden Fees | ✗ Frequently reported | ✓ Transparent pricing |
| Contract Terms | ✗ Early termination fees | ✓ Flexible terms |
Get business funding up to $500,000 with your own dedicated rep - this is their direct line, not a call center.