🛡️ Compliance Assessment Tool

Model your portfolio's PCI economics

Compare what your book earns under the penalty model (non-compliance fees on a mostly-unvalidated portfolio) against the program model (a compliance service your merchants actually complete). Your numbers, honest math — including the line most vendors won't show you.

Your book

40%
Most partners discover this number is lower than they think.
Industry norm: $70–$120.
Typical range: $20–$50.
85%
Guided 15-minute flow + branded invites + renewal chasing.

Penalty model — today

Low completion, fee income concentrated on non-compliant merchants.

Program fees ( merchants)
Non-compliance fees ( merchants)
Compliance vendor costyour current invoice
Annual gross

Program model — with CAT

High completion, income attached to a service merchants receive.

Program fees ( merchants)
Non-compliance fees ( stragglers)
CAT — $25 × completed assessments
Annual gross

The honest read

Churn exposureSquare, Stripe & PayPal market "no PCI fees" directly against penalty-fee processors. Every merchant lost takes their full processing residuals — far more than the fee itself.
Litigation & opticsNon-compliance fees are active class-action territory and squarely in the junk-fee political climate. Program fees attached to a delivered service are defensible.
Card-brand tail riskBreach assessments land on the acquirer. A book that's unvalidated is an unpriced liability your risk committee already asks about — with PCI DSS 4.0.1 fully enforced.
The compliance rate itself of your book validated becomes a number you can show Visa/Mastercard — and a retention story for your merchants.
Start a pilot — sandbox key in 60 seconds → See how Concierge launch works

Assumptions: non-compliant merchants billed the monthly fee for 12 months; with CAT, merchants completing the guided assessment pay the annual program fee and stragglers continue to be billed the non-compliance fee; CAT is billed at the standard $25 per completed assessment (volume discounts available). This model is directional and excludes processing-residual retention benefits, remediation upsells, and vendor-contract exit costs. Figures for fee norms reflect published industry ranges.