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Compliance as a Differentiator

Why Merchant Services Agents Undersell Their Own Compliance Story

Quick answer

TCPA lawsuit volume rose sharply through 2025: 880 filed between January 1 and April 30, 2025, up 44% year over year, and by September 2025, 2,128 filed year to date, up more than 50%, with 78% of that September wave being class actions. That is a real, current, rising exposure for anyone doing outbound telemarketing in this industry.

National Retail Solutions, a company selling merchant and POS services to small retailers, settled a related TCPA class action for up to $6,510,240, or up to $135 per class member, over allegations it sent unauthorized prerecorded telemarketing calls. Agents rarely mention any of this to a merchant, even though doing outreach the right way is a genuine, provable differentiator once a prospect understands how real the exposure actually is.

The Vendor Lens Existing Compliance Content Takes

Most compliance content in this industry is written for one audience: the ISO or agent deciding which lead vendor to trust. Guides on verifying exclusivity and treating compliance as a vendor-selection criterion exist for exactly that reason, helping a buyer of leads or appointments avoid a vendor whose outreach practices could expose them to legal risk.

That lens never turns around to face the merchant. An agent who has done the work to run TCPA-compliant outreach rarely thinks to mention it as part of their own pitch, treating it as internal housekeeping rather than something worth saying out loud.

The Exposure That Makes This a Real Selling Point, Not a Nice to Have

TCPA lawsuits filed against companies in adjacent industries rose 44% year over year in the first four months of 2025, per ActiveProspect’s lawsuit-tracking research, and by September that year, filings were up more than 50% year to date, with the large majority being class actions rather than individual suits, per CompliancePoint’s own count of the same trend. This is a live, accelerating risk environment, not background legal trivia, that every merchant doing business with an outbound-calling vendor is implicitly exposed to.

A merchant who has been cold-called by three other processors in the same month is already living inside that exposure, whether or not they have ever thought about it in TCPA terms specifically.

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What Happened to a Company That Got This Wrong

National Retail Solutions, known as NRS Pay, sells merchant and POS services to small retailers, the exact buyer profile most agents in this industry are pitching every day. Per ClassAction.org’s reporting on the case, the company settled a TCPA class action for up to $6,510,240, up to $135 per class member, over allegations it sent unauthorized prerecorded ringless voicemail calls through a third-party vendor.

This is a company selling into the same merchant base this piece is written for, settling for a real, disclosed dollar figure over the exact kind of outbound calling many agents run without a second thought, not a hypothetical cautionary tale borrowed from an unrelated industry.

Flipping the Lens: Telling the Merchant How You Actually Reach Them

An agent who can say, specifically and honestly, how their own outreach is structured to stay TCPA-compliant is answering a question most merchants have never thought to ask, but would care about the moment it was raised. It reframes a cold approach from “another processor calling” into “a processor that can actually explain how they got my number.”

That is a genuinely different pitch from a generic “we’re compliant” claim. It requires actually knowing the mechanics well enough to explain them, not just asserting them as a footnote.

Why Most Agents Never Say Any of This Out Loud

Compliance rarely feels like a selling point from the inside. It reads as a cost of doing business, something to avoid getting wrong rather than something to lead with, which is exactly why it stays buried in internal process documents instead of showing up in a pitch.

That instinct makes sense from a risk-avoidance standpoint. It just leaves real differentiation on the table in an industry where the exposure documented above is real, rising, and largely invisible to the merchant until something like the NRS Pay case happens to a company they actually recognize.

Turning a Compliance Answer Into a Trust Signal

The version of this that actually works in a pitch is specific, not generic: naming the consent standard the outreach follows, and being able to explain, in plain language, why a merchant is not at risk of becoming part of the next class action headline just for taking a call.

Human + AI SDRs runs outbound outreach built around exactly that standard, which means an agent using it has a genuine, specific answer ready the moment a merchant asks how they got their number in the first place.

Sources

The external data in this article draws on the sources below. Figures described in the text as estimates or industry triangulations are directional and are not attributed to a single dataset.

FAQ

How much has TCPA lawsuit volume actually increased?
880 lawsuits were filed between January 1 and April 30, 2025, up 44% year over year. By September 2025, 2,128 had been filed year to date, up more than 50%, with 78% of that September wave being class actions.
Has a merchant-services company actually been sued over this?
Yes. National Retail Solutions, known as NRS Pay, settled a TCPA class action for up to $6,510,240, up to $135 per class member, over unauthorized prerecorded telemarketing calls sent to consumers.
Why don’t more agents talk about compliance in their own pitch?
Compliance usually gets treated as internal risk management rather than a selling point, so agents rarely think to mention it directly to a merchant, even when it is genuinely differentiating.
How is this different from existing vendor-compliance content?
Existing guidance on verifying a vendor’s compliance is written for an agent or ISO evaluating who to buy leads from. This flips the lens to the agent’s own pitch, using compliant outreach as something to tell the merchant directly.

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