At Beacon Payments, we help merchants eliminate unnecessary fees and stay compliant with industry standards. In this post, we’ll explain what PCI compliance is, why non-compliance fees exist, and most importantly—how to avoid them.

What Is PCI Compliance?

PCI DSS (Payment Card Industry Data Security Standard) is a set of security requirements created by the major card brands (Visa, Mastercard, Discover, and AmEx) to ensure that businesses protect cardholder data during every transaction.

All businesses that store, process, or transmit credit card information—even small businesses—are required to follow these standards.

What Are PCI Non-Compliance Fees?

A PCI non-compliance fee is a monthly charge from your payment processor if your business hasn’t completed its PCI compliance requirements. These fees usually range from $20 to $40 per month—or more.

It’s not a penalty from the card brands themselves—it’s your processor charging you for being at risk.

Why Processors Charge This Fee

Payment processors are required to ensure their merchants are compliant. When you don’t complete the process, your provider may pass along that risk in the form of a monthly non-compliance fee.

The good news? These fees are completely avoidable.

How to Avoid PCI Non-Compliance Fees

Here are the simple steps to stay compliant and eliminate unnecessary charges:

✅ 1. Complete Your PCI Questionnaire

Each year, you’re required to complete a Self-Assessment Questionnaire (SAQ). It takes 10–15 minutes and asks basic questions about your payment equipment, how you store customer data (if at all), and your security practices.

📌 Beacon Tip: We’ll walk you through it if you need help.

✅ 2. Run Required Network Scans (If Applicable)

If your business accepts payments through a network-connected terminal or online gateway, you may be required to run quarterly vulnerability scans. Your provider can help you set this up.

✅ 3. Keep Your POS Software and Terminals Up to Date

Using outdated or non-compliant equipment can lead to vulnerabilities. Make sure your POS or terminal is EMV-enabled, and your software is regularly updated.

✅ 4. Work with a Provider That Supports You

The PCI process can be confusing—especially if your provider doesn’t offer guidance. At Beacon Payments, we proactively remind you when your annual PCI survey is due and help you complete it.

What Happens If You Ignore PCI Compliance?

• You’ll continue to pay monthly fees that add up quickly
• In the event of a breach, you may be liable for thousands in fines
• Your merchant account could be terminated for repeated non-compliance

Final Thoughts

PCI compliance isn’t just a formality—it’s protection for your business, your customers, and your bottom line. And the best part? It’s easy to stay compliant when you have the right support.

At Beacon Payments, we help our merchants complete their PCI requirements, avoid unnecessary fees, and stay secure year-round.

Want to eliminate PCI non-compliance fees for good?
Contact Beacon Payments today for a free consultation and compliance checkup.