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Compliance · PCI DSS

PCI DSS compliance that starts by shrinking what’s in scope.

The cheapest PCI control is the system that never touches card data. I map your payment flows, cut the scope, then build what’s left to PCI DSS v4.0.1.

  • CISSP
  • CISA
  • GSLC
  • CISO and vCISO
  • USMC veteran
  • 30 years in IT and security
01 — When it comes up

Why companies call me about PCI DSS

PCI DSS is a contractual requirement through your acquiring bank and the card brands, not a law, but the consequences of ignoring it are real.

Your acquirer or a customer asked for proof

Merchants validate with a Self-Assessment Questionnaire or a Report on Compliance, depending on transaction volume and how they accept cards. Service providers are often asked by their customers for an Attestation of Compliance.

Your SAQ answers don’t match reality

A questionnaire chosen for the wrong integration type, or answered optimistically, is a common source of trouble after an incident.

Version 4 requirements caught you out

PCI DSS v4.0.1 is the current version, and the requirements that were future-dated became mandatory on March 31, 2025, including targeted risk analyses, broader multi-factor authentication, and controls over payment page scripts.

02 — How the work runs

How I build it

Scope decides cost, so the work starts with how card data actually moves through your business.

01

Map card data flows

Every channel where cardholder data enters, the systems that store, process, or transmit it, and everything connected to them.

02

Reduce scope

Tokenization, hosted payment pages, point-to-point encryption, and network segmentation, where they fit, to take systems out of scope.

03

Confirm the validation path

Which SAQ applies, or whether you need an assessment by a Qualified Security Assessor, confirmed with your acquirer.

04

Gap assessment and remediation

Assess against PCI DSS v4.0.1 and fix the gaps in priority order, with the documentation each requirement expects.

05

Validation support

Help completing the SAQ and Attestation of Compliance, or preparation for the QSA’s on-site assessment.

03 — Fixed fees

What it costs

Fixed fees, agreed in writing before work starts.

Readiness Assessment

$6,500 fixed

Know exactly where you stand against one framework, with a 90-day plan.

  • Card data flow map and scope recommendations
  • Gap report against PCI DSS v4.0.1
  • 90-day remediation roadmap
  • Readout call

100% of the assessment fee is credited toward an implementation signed within 30 days.

Start with an assessment

Virtual CISO retainer

From $2,000 / month

Someone accountable for running the program after it is built.

  • Keeps scope and segmentation documented
  • Runs the annual validation cycle
  • Reviews new payment channels before launch
See the retainer tiers

Implementation: once the assessment defines the scope, remediation is quoted as a fixed fee, never hourly.

04 — Questions

Common questions

Straight answers to what clients usually ask first. Anything else, bring it to the call.

Are you a QSA?

No. A Qualified Security Assessor performs the formal assessment and signs a Report on Compliance. I prepare you for that assessment, or help you complete a Self-Assessment Questionnaire, which your company signs.

Which SAQ do we need?

It depends on how you accept cards: fully outsourced e-commerce, embedded payment pages, card-present terminals, or systems that store card data each point to a different questionnaire. Your acquirer has the final say.

If we use Stripe or another processor, are we out of scope?

Rarely entirely. A well-designed integration can shrink your scope to a short questionnaire, but your website and the systems that control the payment page usually remain in scope.

Is PCI DSS a law?

No. It is a standard enforced through contracts with your acquiring bank and the card brands, though some state laws reference it.

Next step

Book a discovery call

Thirty minutes, no pitch. Pick a time below, bring your deadline and whatever you’ve got so far, and we’ll scope it honestly.

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Prefer email? jason@ineedaciso.com