THE CHALLENGE
Merchants Face Costly Events — and the Pressure Often Comes Back to You
Merchants can face sudden financial pressure from fraud, breaches, and website compliance claims.
These may include:
FOR MERCHANTS
Card testing losses
Breach-related recovery costs
Legal defense expenses
Website compliance-related claims
Unexpected fees, disruption, and uncertainty
FOR PAYMENT PROVIDERS
For payment providers, these events can quickly become support escalations, refund pressure, merchant frustration, and retention risk.
THE SOLUTION
A Financial Protection Layer Built for Payment Providers
Aperia Compliance helps payment providers offer financial protection services as part of a broader merchant protection program.
Instead of handling fraud events, breach response, or website compliance claims one merchant at a time, you can give merchants a clearer path to support while reducing case-by-case burden on internal teams.
With Aperia Compliance, you can:
Offer meaningful protection beyond basic compliance
Create a revenue-generating value-added service
Strengthen merchant trust and retention
Differentiate your program in a competitive payments market
Give merchants another reason to see you as a partner, not just a provider
100+
PARTNERS SUPPORTED
Trusted by payment providers to support merchant-facing compliance and protection programs.
1.6M+
MERCHANTS ACROSS PARTNER PORTFOLIOS
Built to support large-scale merchant programs across diverse business types and geographies.
Financial protection across multiple risk areas
Qualified with PCI as an Approved Scanning Vendor with two active scan solutions listed by the PCI SSC.
PCI approved ASV
Qualified with PCI as an Approved Scanning Vendor with two active scan solutions listed by the PCI SSC.
SOLUTION COMPONENTS
What This Solution Can Include
Breach Protection & Resolution
Provide merchants with structured support and financial protection when covered security incidents create legal, recovery, or response-related costs.
Card Testing Reimbursement
Help merchants recover from eligible losses tied to high-volume card testing events while reducing refund pressure and reactive support burden.
Website Compliance Shield
Offer financial protection for covered ADA, privacy, and website compliance-related claims alongside your broader website compliance program.
Turn Merchant Risk Into a Stronger Protection Offering
Financial protection is more than a merchant benefit. It gives payment providers a scalable way to respond when risk turns into real financial impact. This helps you support merchants during moments of high stress, expand your value beyond transaction processing, and build a more defensible merchant program.
WHEN MERCHANTS FEEL PROTECTED, SUPPORTED, AND PREPARED, YOUR RELATIONSHIP BECOMES STRONGER.
COMPLIANCE STRATEGY
Part of a Broader Merchant Protection Strategy
Merchant Protection & Coverage can work alongside PCI, website compliance, and security offerings to create a more complete merchant program.
Pair it with:
PCI Apply for branded PCI program delivery
Website Compliance Suite for privacy, accessibility, and consent management
Script Monitor for payment page script visibility
Endpoint & Patch Management for day-to-day device protection
Add Financial Protection to Your Merchant Program
Help merchants recover from costly events while creating a stronger, more differentiated protection offering for your portfolio.
FAQ
Merchant Protection & Coverage helps payment providers offer financial protection services that support merchants during fraud events, breaches, and website compliance-related claims.
This solution can include Breach Protection & Resolution, Card Testing Reimbursement, and Website Compliance Shield.
It gives merchants a clearer support path during costly events, helping payment providers reduce case-by-case handling, refund pressure, and reactive support escalations.
It helps payment providers differentiate their program, strengthen merchant trust, support retention, and create additional value-added service opportunities.
Merchant Protection & Coverage extends support beyond PCI by helping merchants manage financial exposure tied to fraud, breaches, and compliance-related claims.