What is PCI Compliance?

Payment Card Industry (PCI) compliance is a set of technical and operational regulations that credit card companies and merchants must follow in order to protect credit card data. Basically, every time you make a payment using a credit card, you’re trusting the retailer and card company to secure that credit card transaction. PCI standards are what ensure that every transaction stays safe. 

Unlike compliances such as CMMC and HIPAA, which are mandated by the U.S. government, PCI is normally mandated by credit card companies themselves. In order for businesses to accept certain credit cards, they must agree to the PCI compliance standards set forth by the credit card companies.

What is PCI?

Who does PCI Compliance apply to?

Every credit card company, merchant, and business that manages credit card information and processes credit card payments must be PCI compliant. If companies fail to comply with PCI, they could face large fines from credit card companies for agreement violations and negligence. PCI compliance not only protects individual users who are making credit card purchases, but also protects companies from theft, fraud, and data breaches—all extremely costly consequences of non-compliance.

Which companies need to be PCI compliant?

Credit Card Companies

Companies such as VISA, MasterCard, American Express, and Discover

Independent Contractors

Consultants, maintenance professionals, stylists, and other contractors who accept credit card payments

Retail Shops and Restaurants

Businesses that allow consumers to pay for their food, drinks, or merchandise with credit cards

E-Commerce Companies

Digitally native companies, apps, and online retailers that process credit card payments

Utility Suppliers

Electric, gas, internet, and cable companies that permit one-time and auto-payments via credit cards

What is PCI?

How does my business prepare for PCI Compliance?

The first step in complying with PCI is knowing how your organization currently stands with compliance. At Hyper Vigilance, we offer a readiness inspection and comprehensive audit assessment that gives you a complete picture of where you are and what you need to do next. During the inspection, we’ll walk through every procedure, practice, and article of PCI and compare it against your current operations to give you clear next steps towards compliance.

Learn more about our Readiness Inspection. 

What is PCI?

Need another compliance?

If your organization needs to comply with more than one compliance framework, we’re happy to assist you. Hyper Vigilance offers compliance management services for a range of different compliances outside of PCI. Read more about our compliance management offerings here

Get Compliant with Hyper Vigilance

If your company needs to be PCI compliant, we’ll get you there. Our full-service compliance management services help prepare you for an official audit, ensuring you have the right procedures in place, the best software configured, vigilant security guards, and the proper documentation to prove it all. With our straightforward pricing model and our emphasis on making compliance accessible and easy to understand, you can trust Hyper Vigilance with your compliance management needs. Get in touch with us to take charge of your business’ cybersecurity foundation.

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Hyper Vigilance was the right choice to guide us through the cybersecurity process as we attempt to grow the business. They provide excellent service and we continue to look forward to working with the Hyper Vigilance team. We are very grateful for how they simplified the entire process and the efficiency during the transition to a secure platform!
Hyper Vigilance moved us from negative NIST score to almost full compliance in less than 1 month. The team is experienced, quick, efficient and works to find the best solution to maintain business operations while keeping security at maximum level. Communication and issue resolving is fast. Highly recommended.
We are required to comply with NIST 171 and CMMC to remain competitive for defense contracting, so we sought and received several quotes from reputable companies, and Hyper Vigilance was the top choice. They offered a higher level of assistance compared to others that were more expensive. The professionals at Hyper Vigilance have proved to be very knowledgeable, responsive, professional, and customer focused. The support they provide is very comprehensive and flexible, and have executed several innovative options/solutions to achieve our goal. Their technical professionals are always on the clock and are very responsive.