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ETA CPP Questions and Correct Answers
What data elements are MOST critical to the payments
professional when comparing a merchant's current statement to
the new offer proposed by the payment professional? Ans: —
Volume, average ticket, rate, and transaction fee
Using the interchange plus model, which of the following costs can
be adjusted during negotiations with the merchant? Ans: —
Acquirer markup
For most credit card transactions, what is the MAXIMUM numbers
of days between the sale and when a dispute request can be
initiated? Ans: — 120 days
Which of the following merchants would be considered the highest
risk? Ans: — Time share advertising
In a blended pricing method (three tiers, enhanced bill-back),
merchant manually enters a VISA card transaction, but forgets to
enter the AVS. What is the appropriate interchange category for
this transaction? Ans: — EIRF
What information should be discussed at the time of sale in order
to BEST establish a credible relationship between the payments
professional and the merchant? Ans: — Discount rates, transaction
fees, and settlement fees
MasterCard's Convenience Purchases interchange qualification
applies to which of the following transactions? Ans: — Payment
for taxi services
When proposing check processing services to be included in a
merchant's existing terminal, what steps should be taken to ensure
the ability to process transactions? Ans: — Verify the terminal and
check reader/imager compatibility with the processor
© 2025 All rights reserved
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A payments professional believes that a prospective client with a
large customer base would benefit from the use of a PCI-compliant
credit card storage module. However, prior to offering the
solution, the payments professional needs to identify the
merchant's key pain points and goals. As part of the discovery
process, which of the following questions would BEST elicit the
merchant's need to implement the solution? Ans: — "Are you
concerned about the security risks associated with storing
customer data?"
A payments professional meets with a merchant who discloses
that it has a subprime credit. What additional materials may be
required? Ans: — Profit and loss statement. Previous processing
statements and bank statements
When submitting documents for a new or existing merchant, which
of the following merchant types can be boarded for American
Express Opt Blue? Ans: — A restaurant that processes $900,000 in
annual American Express charge volume
How is the effective rate calculated? Ans: — Total dollars spent
divided by sales dollar volume
A merchant has contacted the payments professional to inquire
about an increase in the number of returned checks. How should
the payments professional respond to the merchant's inquiry?
Ans: — Recommend a check guarantee service
A merchant has a IP-facing device. Which action MUST be
completed to ensure PCI compliance? Ans: — Complete IP
scanning quarterly and complete a SAQ annually
Which of the following describes a valid reason for a merchant to
be removed from the MATCH list? Ans: — The merchant was
erroneously placed on the MATCH list, or the listing is for reason
code 12
During review of a potential e-commerce merchant's website,
which of the following information MUST be present for approval
© 2025 All rights reserved
ETA CPP Questions and Correct Answers
What data elements are MOST critical to the payments
professional when comparing a merchant's current statement to
the new offer proposed by the payment professional? Ans: —
Volume, average ticket, rate, and transaction fee
Using the interchange plus model, which of the following costs can
be adjusted during negotiations with the merchant? Ans: —
Acquirer markup
For most credit card transactions, what is the MAXIMUM numbers
of days between the sale and when a dispute request can be
initiated? Ans: — 120 days
Which of the following merchants would be considered the highest
risk? Ans: — Time share advertising
In a blended pricing method (three tiers, enhanced bill-back),
merchant manually enters a VISA card transaction, but forgets to
enter the AVS. What is the appropriate interchange category for
this transaction? Ans: — EIRF
What information should be discussed at the time of sale in order
to BEST establish a credible relationship between the payments
professional and the merchant? Ans: — Discount rates, transaction
fees, and settlement fees
MasterCard's Convenience Purchases interchange qualification
applies to which of the following transactions? Ans: — Payment
for taxi services
When proposing check processing services to be included in a
merchant's existing terminal, what steps should be taken to ensure
the ability to process transactions? Ans: — Verify the terminal and
check reader/imager compatibility with the processor
© 2025 All rights reserved
, 2 | Page
A payments professional believes that a prospective client with a
large customer base would benefit from the use of a PCI-compliant
credit card storage module. However, prior to offering the
solution, the payments professional needs to identify the
merchant's key pain points and goals. As part of the discovery
process, which of the following questions would BEST elicit the
merchant's need to implement the solution? Ans: — "Are you
concerned about the security risks associated with storing
customer data?"
A payments professional meets with a merchant who discloses
that it has a subprime credit. What additional materials may be
required? Ans: — Profit and loss statement. Previous processing
statements and bank statements
When submitting documents for a new or existing merchant, which
of the following merchant types can be boarded for American
Express Opt Blue? Ans: — A restaurant that processes $900,000 in
annual American Express charge volume
How is the effective rate calculated? Ans: — Total dollars spent
divided by sales dollar volume
A merchant has contacted the payments professional to inquire
about an increase in the number of returned checks. How should
the payments professional respond to the merchant's inquiry?
Ans: — Recommend a check guarantee service
A merchant has a IP-facing device. Which action MUST be
completed to ensure PCI compliance? Ans: — Complete IP
scanning quarterly and complete a SAQ annually
Which of the following describes a valid reason for a merchant to
be removed from the MATCH list? Ans: — The merchant was
erroneously placed on the MATCH list, or the listing is for reason
code 12
During review of a potential e-commerce merchant's website,
which of the following information MUST be present for approval
© 2025 All rights reserved
