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In order to find out if your business is PCI compliant, the first and most crucial step is to complete a PCI Self-Assessment Questionnaire. By following this process, you will determine whether your business is compliant. If not, there are established steps you can take to achieve regulatory compliance.

If you are a merchant or payment service provider (PSP) that handles, processes, stores, or transmits card payment data, you must maintain PCI compliance. While you have likely heard of this term, you may not know what it means, who needs to be compliant, why it's essential, and what happens if you fail to comply.

In that case, you need to hire a PCI-qualified security assessor (QSA) to conduct an audit that identifies your company has met the required PCI data security standard. Additionally, you also need to submit an annual report on compliance (ROC).

Understand PCI DSS Requirements. Hire a Qualified Security Assessor. Implement Secure Network Infrastructure. Protect Cardholder Data. Implement Access Controls. Regularly Monitor and Test Security Systems.

Everything that accepts, processes, stores, or transmits credit card data must meet PCI compliance. This means end users and developers of mobile applications must comply. Failure to comply with the PCI-DSS can make businesses targets for cybercriminals looking to compromise user data.

The requirements include complicated tasks such as installing firewalls and protecting cardholder data through ization or encryption. Obtaining PCI Level 1 or Level 2 typically takes merchants around nine months to a year to achieve on their own.

To become PCI compliant, a business typically must do three things: Meet the requirements set out by the Payment Card Industry Security Standards Council. Complete an assessment that shows how secure a business's systems and practices are. Most small businesses can perform a self-assessment.