Your Merchants' Websites Are a Compliance Risk You Can't Afford to Ignore

Your Merchants' Websites Are a Compliance Risk You Can't Afford to Ignore

Every merchant website in your portfolio is a potential liability. Most payment providers don't know about it until a demand letter arrives.

Accessibility lawsuits. Privacy enforcement. Tracking-technology litigation. Cookie consent failures. These aren't edge cases but the everyday reality facing merchants who sell online, and the exposure doesn't stay with the merchant. It travels up the chain to acquirers, ISOs, PayFacs, sponsor banks, and providers like you.

The problem is that website compliance has become genuinely complex. A single webpage can trigger obligations under accessibility law, state privacy statutes, wiretapping claims, consent requirements, and region-specific regulations all at once and all governed by different rules. And the website your team reviewed at onboarding may look nothing like the one running today.

In This Whitepaper: "Compliant-Looking" Isn't the Same as Compliant

Developed by Aperia Compliance and Clym, this guide gives payment providers a practical framework for understanding, assessing, and addressing website compliance risk across their merchant portfolios. Inside, you'll find:

  • The key risk zones every payment provider should monitor 

  • The most common merchant mistakes, including configurations that look compliant but aren't

  • A Website Compliance Maturity Model to assess where your merchants stand today

  • A Merchant Website Compliance Risk Matrix mapping risk areas to business impact and recommended actions

  • A Portfolio Readiness Checklist you can use internally and share with stakeholders

  • The opportunity inside the risk for a recurring revenue stream

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If you manage a portfolio of merchants with online presence, this report is for you. Learn how to spot the risks your current process is missing and how to build a scalable compliance program that protects your portfolio while creating value for merchants.