Practice Test GeeksCPP - Certified Payment Professional Practice Test

CPP Cheat Sheet 2026

The 30 highest-yield CPP facts, distilled from real exam questions. Print it, save it as a PDF, or study it here — free, no sign-up.

CPP exam key facts

  • The ETA CPP exam has 125 multiple-choice questions covering seven domains, from sales and interchange to risk and underwriting. Source
  • ETA estimates that an ETA CPP exam session lasts about 3 hours. Source
  • The ETA CPP exam costs $500 for ETA members and $650 for non-members, paid in full with the application and including a non-refundable $125 application processing fee. Source
  • Candidates who fail the ETA CPP exam may retake it after purchasing a retake exam through a link that ETA emails them. Source
  • The ETA CPP credential is valid for three years from the date of certification. Source
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120 questions
120 min time limit
75% to pass
  1. What is a 'soft decline' in payment processing? → A transaction declined due to a temporary issue that may succeed if retried
  2. What is the role of international financial organizations in payment system regulation? → They establish frameworks to regulate cross-border payments and prevent financial crimes
  3. What is the RTP (Real-Time Payments) network in the United States operated by? → The Clearing House
  4. What is the significance of the Anti-Money Laundering (AML) laws for payment systems? → It helps prevent money laundering and illegal transactions
  5. What is encryption's role in payment security? → To protect payment data by converting it into a secure format
  6. What is the key difference between the SHA, OUR, and BEN cost-sharing options in international wire transfers? → They dictate which party (sender, recipient, or both) pays the transaction fees
  7. What is the PRIMARY purpose of communication & stakeholder engagement in permitting? → Ensuring compliance with standards
  8. Under Visa's dispute resolution process, what is the first step a cardholder must typically take before a chargeback is filed? → Contact the merchant directly to attempt resolution
  9. What is the purpose of payment gateways in payment processing systems? → To securely transmit transaction data between customer and merchant
  10. What is an R02 return code in an ACH transaction? → Account Closed
  11. Which factor is MOST important in marketing & business development? → Accuracy and thoroughness
  12. What is tokenization in payment processing? → It replaces sensitive data with a secure token
  13. How should progress in human resources & talent development be measured? → Through defined metrics and regular reviews
  14. When implementing marketing & business development, what comes first? → Assessment of current state
  15. How should progress in leadership & team management be measured? → Through defined metrics and regular reviews
  16. What is the role of the Consumer Financial Protection Bureau (CFPB) in payment systems? → To protect consumers from unfair practices and ensure transparency
  17. What is the PRIMARY purpose of strategic planning & analysis in permitting? → Ensuring compliance with standards
  18. What is interchange in the context of card payments? → A fee paid by the merchant's bank to the cardholder's issuing bank
  19. How should progress in client relationship management be measured? → Through defined metrics and regular reviews
  20. Which factor is MOST important in leadership & team management? → Accuracy and thoroughness
  21. How do businesses use risk assessments to prevent fraud? → By identifying and mitigating fraud risks
  22. What are the consequences of not complying with PCI DSS? → Fines, legal issues, and loss of trust
  23. What skill is essential for client relationship management? → Critical thinking and attention to detail
  24. Which factor is MOST important in human resources & talent development? → Accuracy and thoroughness
  25. What is the MOST important skill for effective project management & execution in Certified Pet Professional? → Clear communication and the ability to align team efforts with objectives
  26. In Certified Pet Professional, how should project management & execution challenges be prioritized? → Based on potential impact, urgency, and alignment with strategic objectives
  27. Which factor is MOST important in operations & process management? → Accuracy and thoroughness
  28. What is the primary purpose of a payment network's BIN (Bank Identification Number) range? → To identify the issuing institution and card product associated with a card
  29. Which organization governs and manages the ACH Network rules in the United States? → Nacha
  30. How does strategic planning & analysis benefit organizations? → Improved outcomes and efficiency
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