MPC Interviews John Newton of Aperia Compliance, an IXOPAY Company
Please state your name, title, company, and email address to provide to prospective partners and customers interested in receiving more information.
John Newton, Vice President, Sales
Aperia Compliance, an IXOPAY Company
info@aperiacompliance.com
How are you different than other brands in your space?
Aperia Compliance helps channel partners offer compliance, security, and coverage solutions under their own brand. Our fully white-labeled approach makes it easy to deliver more value to merchants while creating new revenue opportunities.
How would you describe your value proposition to prospective customers and channel partners?
We help channel partners simplify compliance for their merchants. Our platform combines compliance, security, and coverage solutions in one place, making it easier to manage portfolios, improve merchant participation, and scale programs efficiently. Partners can also leverage Aperia Compliance’s support center to improve engagement and compliance outcomes across their portfolios.
What recent challenges have your company’s leadership faced and how did you overcome them?
The compliance world continues to evolve alongside changes in how consumers pay and SMBs accept payments. Three examples of how we’ve evolved to meet market needs:
- With PCI DSS 4.0.1, SMBs with online payment channels are required to monitor payment scripts against malicious activities. Aperia Compliance launched Script Monitor within the PCI Apply platform in conjunction with this new requirement to provide an additional layer of protection against fraud and help SMBs comply with it.
- Card enumeration (card testing) attacks have increased significantly over the last 5 years as merchant acceptance behaviors shift online. Aperia Compliance created Card Testing Coverage to help merchants recover from these attacks, covering fraudulent authorization expenses and the implementation of additional protection products.
- Ninety-seven percent (97%) of merchants have an online presence, meaning regulatory pressures that fall outside of traditional payments compliance (e.g., PCI) are now relevant to nearly every merchant; merchants across geographies and industries are in scope. These risks are driving lawsuits, fines, and penalties, creating strong justification for a mandatory or default compliance solution. Aperia Compliance, recognizing this threat to SMBs, launched Website Regulatory Compliance, powered by Clym, helping merchants manage compliance obligations through a single platform.
What recent milestone have you achieved and why is it significant?
Aperia Compliance recently migrated to a cloud infrastructure to support future development and scalability and deliver new value-added solutions to our channel partners. This migration enables Aperia Compliance to bring new solutions to market faster, helping channel partners support SMBs through an evolving compliance landscape and accelerate revenue streams.
What near-term opportunities will 2026 present to you and your team?
In the near term, Aperia Compliance is focused on continuing to serve our channel partners and their SMB customers. As consolidation continues in the acquiring space, we are dedicated to helping our channel partners consolidate vendors and portfolios, enabling new solutions and integrating reporting across their ecosystem. We are also focused on expanding our global reach, providing compliance solutions to banks and platforms across the EU.
What’s a key trend for your industry in 2026, and why do you think it’s important?
Compliance is no longer a once-a-year exercise. Merchants increasingly need continuous monitoring and ongoing protection as cyber threats become more sophisticated and automated.
We expect the shift toward continuous compliance and security to accelerate throughout 2026. Aperia Compliance closely monitors emerging threats and develops solutions that help channel partners and their merchants stay protected.
