VISA, MasterCard, Discover, and American Express require that all merchants (business owners) who accept credit cards participate in a mandatory compliance program called PCI DSS (Payment Card Industry Data Security Standards) to help prevent cardholder fraud and identity theft.

Cash Practice & our processing bank, Paya, have partnered with Aperia / WorkWell to provide a bundled rate for this program since you utilize 2 merchant accounts through Cash Practice. This fee is very competitive compared to what other processors are billing for this service. Our competitive analysis revealed annual rates from $179.00 to $250.00 per merchant account. 

Aperia's bundled rate is $95.00/year, which includes BOTH of your merchant accounts (MOTO & RETAIL).

The annual fee is split into 3 payments and is withdrawn along with your processing fees on your April and June merchant statements. You will see a $25.00 charge on both of your April merchant statements (MOTO & RETAIL). There will be ONE $45 charge on your June MOTO merchant statement. Again, we want to remind you that this is not a requirement by Cash Practice Inc. This is a requirement for all businesses that accept credit cards and they all have to pay for this service.

It is your responsibility to keep your PCI compliance status up to date. Failure to complete or renew PCI Certification will result in an additional $15 penalty fee each month.

Aperia’s highly trained associates are available to support with any PCI Compliance questions.  Their help desk support can be reached at (888) 329-3171 between 7 am and 7 pm central time or by email at support@pcihelpcenter.com. 

What does the $95 annual PCI fee cover?

Aperia's PCI Compliance suite manages a variety of compliance services for merchants including terminal verification, scanning, merchant education, and online Self-Assessment Questionnaire (SAQ). The SAQ "Wizard" directs the merchant to the right SAQ. Based on SAQ requirements, there are easy links to: 

  • Internal Vulnerability Scanning, Antivirus and Endpoint protection (fulfills Req. 5)
  • PAN Scanning, Mobile Scanning
  • Endpoint Lock protection (keylogging prevention powered by Advanced Cyber Security (ACS) *Endpoint Protection is available through Intel Security
  • User-Friendly & Multi-Lingual Portal
  • One-Stop Access to all tools needed to be compliant
  • Certificates & Attestations of Compliance (AOC’s)
  • Integrated External Vulnerability Scanning
  • Security Policy Templates
  • POS Checklist & Inventory Sheet
  • Extensive SAQ and SCAN Support via phone, email, and online chat