TD Merchant Solutions PCI Non-Compliance Fee Calculation in 2026

TD Merchant Solutions calculates PCI non-compliance costs by stacking recurring non-compliance and compliance integrity fees on top of your standard $9.95 monthly PCI security fee whenever you fail to maintain validated status. As the acquiring division of TD Bank, the processor charges this baseline $9.95 fee across the statements we analyze to cover basic program administration.

Miss your mandatory compliance tasks, and the penalties pile up. TD assesses specific non-compliance and integrity fees that accumulate month after month. Fail to meet PCI DSS standards entirely, and you face external fines, assessments, or complete termination of your payment processing services.

The provider publishes details regarding its non-compliance penalty structures, integrity charges, and decline fees online. Grasping the distinction between the standard $9.95 fee and these penalty assessments helps you achieve parity between your expected overhead and your actual processing costs.

TD assigns you to one of four Visa merchant levels based on annual transaction volume and processing channel. This level dictates your baseline PCI DSS compliance requirements. Level 1 applies to organizations processing over 6,000,000 Visa transactions annually. Level 2 covers businesses processing between 1,000,000 and 6,000,000 Visa transactions per year. Level 3 includes merchants processing 20,000 to 1,000,000 Visa e-commerce transactions annually.

Level 4 encompasses merchants processing fewer than 20,000 Visa e-commerce transactions annually, plus all others processing up to 1,000,000 total Visa transactions per year. You must meet specific validation standards to dodge non-compliance penalties. Level 1 and Level 2 merchants must complete an annual PCI Self Assessment Questionnaire and undergo quarterly network scans. Level 1 also requires an annual on-site assessment. Level 3 and Level 4 merchants must fulfill the annual questionnaire and quarterly network scan requirements to remain compliant.

Recurring non-compliance penalties inflate your processing costs by adding fixed dollar surcharges to your baseline fees. When you calculate your effective rate on TD Merchant Services statements, you see exactly how these fixed non-compliance and compliance integrity fees increase the overall percentage of revenue you lose to processing. Across the statements we analyze, TD merchants otherwise maintain a blended effective rate of 1.87%.

Fixed monthly penalties disproportionately hurt small-volume merchants. Because small merchants process fewer total dollars each month, fixed charges create a larger percentage drag on their margins. Resolving non-compliance issues removes these fixed fee additions. It restores your processing costs closer to the baseline 1.87% level observed across real merchant statements.

You can spot PCI-related costs on your TD statement under specific line items for the monthly security fee, non-compliance fees, and compliance integrity fees. Real merchant statement samples show the baseline PCI security monthly fee listed as $9.95. If you miss compliance validation, additional line items for non-compliance and integrity fees appear directly alongside your standard processing charges.

Merchants seeking to dodge these fees by terminating their payment processing agreement early face strict contractual penalties. According to TD policy, closing your account before fulfilling an initial three-year term triggers a deactivation fee. Our breakdown of TD Merchant Solutions hidden fees shows exactly where these termination costs sit in the official fee schedule. Review your statements regularly to identify penalty charges early and fix compliance gaps without triggering a costly cancellation.

Level 3 and Level 4 merchants can eliminate non-compliance fees entirely by completing the annual PCI Self Assessment Questionnaire and scheduling their mandatory quarterly network scans. TD provides resources to help merchants comply with Payment Card Industry Data Security Standard requirements and manage Canadian Code of Conduct guidelines. You must log into your merchant account portal to initiate the specific questionnaire required for your environment.

Beyond the questionnaire, merchants processing electronic transactions must arrange quarterly network scans through an approved vendor. Once you submit the annual questionnaire and confirm passing quarterly scans, TD updates your status to compliant. Fulfilling these validation steps instantly halts the recurring non-compliance and integrity fees on your future monthly statements.