The email below outlines non-compliant merchants that Esquire has shopped and the process for new submissions to CBCAL and Esquire moving forward to ensure compliance.

• For existing merchants that you have been notified as non-compliant, the merchant will have 7 days from today’s date to provide compliance photos.
  • If proof of compliance is not received and the merchant is not compliant, the merchant will be switched to traditional pricing. 
• Applications submitted to Esquire Bank are limited to Traditional and Surcharge only. 
• Any new merchant boarded through CBCAL or Esquire will be boarded as traditional if their MCC is on the chart below.
  • Should the merchant want to engage in surcharge in states where permitted, dual pricing, or cash discount, the merchant must provide all required compliance photos or had a site visitation deemed compliant; Merchant Industry will then transition the merchant to the selected program type.
• A percentage of your merchants will have a third party site inspection conducted, results will be shared with you at a portfolio level.
  • Should a merchant be identified as not compliant, they will have 7 days to correct the identified issues before moving to traditional pricing on the backend. 
• Any merchant identified by a card brand as not being compliant will be moved to traditional pricing until compliance proof is provided by the card brands and the case has been closed.
• Compliance proof mentioned in the chart below is required on the following MCC’s.