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eCommerce PCI Compliance Checklist: Best Way to Secure the Payments

Quick Summary

  • What? PCI DSS is a security standard for handling card payments, with 4 compliance levels based on transaction volume.
  • Why? Protects customer data, prevents breaches, avoids fines ($5K–$100K+/month), and builds trust.
  • Checklist: 12 key steps (firewalls, encryption, access control, etc.) tailored to your business size.
  • Penalties: Fines, revoked payment processing, fraud liability, and reputational damage. Solution: Proactive compliance is cheaper than a breach.
publisher
John Niles
|
10 min read
|

Last Updated On Jun 30, 2025

eCommerce PCI Compliance Checklist: Best Way to Secure the Payments
Table Of Contents
  • What is PCI DSS Compliance?
  • Importance of eCommerce PCI Compliance
  • Four Levels of PCI Compliance
  • eCommerce PCI Compliance Checklist
  • What are the Penalties for Non-Compliance?
  • Challenges with eCommerce PCI Compliance
  • FAQs on eCommerce PCI Compliance
  • Let’s Summarize

Even a single data breach can cost your eCommerce business as well as customers dearly. You’ll end up losing revenue and customer trust, while gaining legal penalties. That’s why Payment Card Industry Data Security Standard (PCI DSS) compliance isn’t optional.

PCI compliance is a necessity for any online store handling credit card transactions. This checklist ensures your business meets all security requirements. That reduces fraud risks and safeguarding sensitive data.

Let’s cover the eCommerce PCI compliance checklist, so you can avoid costly fines and reputational damage. But first, let’s see what PCI compliance is.

What is PCI DSS Compliance?

PCI DSS is a set of security requirements designed for businesses handling credit or debit card transactions in a secure environment. These standards are established by major card brands like Visa, Mastercard, and American Express. They help prevent fraud, data breaches, and unauthorized access to sensitive payment information.

Any eCommerce business that processes, stores, or transmits cardholder data must comply with PCI DSS. Non-compliance can lead to hefty fines, increased transaction fees, and even the loss of payment processing privileges.

More importantly, failing to meet these standards will put data at risk—damaging trust and brand reputation. That’s why it is one of the major aspects of the eCommerce security checklist.

Importance of eCommerce PCI Compliance

Nowadays, cyber threats and sophisticated fraud are prevalent and rising. So PCI compliance is no longer optional. Here’s why you need to prioritize it.

Customer Trust = Revenue

Shoppers abandon carts at the first sign of security concerns. Displaying PCI compliance badges (like “PCI DSS Certified”) increases conversion rates by proving you protect payment data.

Avoid Financial Catastrophe

A single breach can cost:

  • $50,000–$500,000+ in immediate fines
  • 20% higher payment processing fees long-term
  • Six-figure lawsuits from banks/customers

Future-proof Your Operations

New regulations (like PSD2 in Europe) build upon PCI standards. Compliance today means easier adaptation to tomorrow’s laws.

Competitive Advantage

Only 27% of small eCommerce stores maintain full compliance. Meeting these standards helps you stand out as a secure alternative.

This compliance is about gaining a measurable business edge while shielding yourself from existential risks. So hire our professional eCommerce developers for the security setup, no matter the kind of compliance you require.

Four Levels of PCI Compliance

Usually, the PCI DSS compliance varies based on your business’s transaction volume. So the top card brands (Visa, Mastercard, etc.) classify merchants into four levels. Each of them has stricter validation needed for higher volume businesses. Here’s how they break down.

eCommerce PCI Compliance Levels

Level 1 PCI DSS Compliance

Major retailers and global brands face the highest fraud risks, making rigorous security validation essential.

Who It Applies to

  • Merchants processing over 6 million card transactions annually.
  • Businesses that have suffered a previous data breach.
  • Any merchant deemed Level 1 by a card brand.

Requirements

  • Annual on-site audit by a Qualified Security Assessor (QSA).
  • Quarterly network scans by an Approved Scanning Vendor (ASV).
  • Attestation of Compliance (AOC) submitted.

Level 2 PCI DSS Compliance

This level of compliance balances security with scalability. It ensures protection without overburdening growing businesses.

Who It Applies to

  • Merchants processing 1 to 6 million transactions per year.

Requirements

  • Annual Self-Assessment Questionnaire (SAQ).
  • Quarterly ASV vulnerability scans.
  • AOC submission.

Level 3 PCI DSS Compliance

Level 3 streamlines compliance for SMBs while maintaining core security controls.

Who It Applies to

  • Merchants processing 20,000 to 1 million eCommerce transactions annually.

Requirements

  • Annual SAQ (specific type depends on payment methods).
  • Quarterly ASV scans (if applicable).

Level 4 PCI DSS Compliance

As the most basic level of compliance, level 4 is for lower-risk businesses needing safeguards—especially as they scale.

Who It Applies to

  • Merchants processing fewer than 20,000 eCommerce transactions (or up to 1 million for non-eCommerce).

Requirements

  • Annual SAQ (simplified version, if eligible).
  • ASV scans may still be required depending on payment setup.

Higher levels mean stricter security obligations—but even small eCommerce stores must validate compliance. Failing to meet your level’s requirements can result in fines and higher processing fees. Plus you’ll lose the ability to accept card payments.

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eCommerce PCI Compliance Checklist

To protect your business and customers, experts split the PCI DSS checklist through some key security requirements across the core goals. Let’s cover these requirements one-by-one.

Install & Maintain a Firewall

A properly configured firewall acts as the first line of defense against cyber threats. It blocks unauthorized access while allowing legitimate traffic. Regularly update firewall rules and monitor logs to ensure no vulnerabilities exist. PCI DSS requires this to protect your network from breaches.

Avoid Using Default Vendor Settings & Passwords

Default usernames and passwords are easy targets for hackers. Always change them to strong, unique credentials immediately after setup. This simple step prevents unauthorized access to your payment systems and reduces the risk of exploitation.

Secure the Cardholder Data

Minimize stored cardholder data—only keep what’s necessary. If storage is required, use strong encryption and tokenization. Never store sensitive authentication data (like CVV codes) after a transaction. This reduces exposure in case of a breach.

Encrypt the Transmission

When card data travels across networks, it must be encrypted (e.g., TLS 1.2+). Unsecured transmissions can be intercepted. Ensure encryption covers all payment gateways, checkout pages, and internal data transfers to maintain compliance.

Use Updated Antivirus Software

Malware can steal card data or disrupt transactions. Install reputable antivirus software on all systems handling payments and keep it updated. Regular scans detect and neutralize threats before they compromise security.

Set Up a Well-assessed Security System

Conduct regular vulnerability scans and penetration tests to identify weaknesses. PCI DSS requires quarterly external scans by an Approved Scanning Vendor (ASV) for most merchants. Fixing flaws proactively prevents breaches.

Restrict Access to Cardholder Data

Only authorized personnel should handle payment data. Implement role-based access controls (RBAC) to limit who can view or process transactions. The fewer people with access, the lower the risk of leaks. You may also need to consult the experts to handle data privacy on your eStore.

Assign Unique User Access IDs

Shared logins make tracking suspicious activity impossible. Each employee should have a unique ID with strong authentication (like MFA). This ensures accountability and helps trace breaches to their source.

Restrict Physical Access to Cardholder Data

If you store physical records or servers with payment data, secure them in locked areas with limited access. Log all entry attempts to prevent unauthorized handling of sensitive information.

Monitor Access to Network Resources

Track who accesses payment systems and when. Use intrusion detection systems (IDS) and log management tools to spot unusual activity. Real-time alerts help stop breaches before damage occurs.

Regularly Test Security Systems

Security isn’t a one-time task. Run frequent penetration tests, vulnerability scans, and internal audits to ensure defenses stay strong. PCI DSS mandates annual testing for most merchants.

Create & Maintain an Information Security Policy

Document security procedures, incident response plans, and employee training protocols. A clear policy ensures everyone follows best practices, reducing human error—the leading cause of breaches.

PCI compliance isn’t just about avoiding fines—it’s about protecting your customers and your business. For the best results, you can hire a professional eCommerce development company. We’ll help you build a secure, trustworthy eCommerce operation.

What are the Penalties for Non-Compliance?

Failing to meet PCI DSS standards can have serious consequences—both financial and operational. There are no publicly standardized fines, but the penalties typically include:

Monetary Fines

You may end up paying around $5,000–$100,000+ per month until compliance is achieved. It depends on breach severity and card brand policies. And it may increase the transaction fees from processors, cutting into profits.

Loss of Payment Processing

Banks or payment gateways may terminate your merchant account, halting online sales. Getting reinstated requires full compliance—costing time and resources.

Fraud Liability & Legal Costs

If breached, your business may be financially responsible for fraud losses. Lawsuits from customers or banks can lead to six- or seven-figure settlements.

Reputation Damage

It may result in a loss of customer trust after a breach can devastate sales long-term. Public disclosure requirements may lead to negative media coverage.

Mandatory Forensic Audits

After a breach, PCI SSC may require a forensic investigation (costing $50,000+). Ongoing audits may also add operational disruptions.

Remember that the cost of compliance is always lower than the cost of non-compliance. And, proactive security will always protect your revenue and brand.

Challenges with eCommerce PCI Compliance

Maintaining PCI compliance in an online store isn’t just about checking boxes. It’s an ongoing process with ongoing (often repeating) hurdles. Let’s look at a few of the top challenges your business might face.

Constantly Evolving Security Threats

Cybercriminals continuously develop new attack methods, from Magecart skimming to API exploits. Compliance requires proactive updates to security measures, not just annual audits.

Complex Checkout & Payment Ecosystems

Using multiple payment gateways, third-party processors, or subscription platforms? Each integration adds new vulnerabilities that must be secured—especially if data passes through your site.

Lack of Internal Security Expertise

Many SMBs don’t have dedicated IT teams, leading to:

  • Misconfigured encryption
  • Incomplete vulnerability scans
  • Overlooked access controls

Solution: Partner with a PCI-compliant hosting provider or hire a QSA (Qualified Security Assessor).

Cost vs. Resource Trade-Offs

Smaller merchants struggle with:

  • ASV scan fees ($100–$500/quarter)
  • Penetration testing costs ($1,000–$5,000/year)
  • Tokenization/encryption implementation

Tip: Non-compliance fines often exceed these costs—budget proactively.

Mobile & Omnichannel Risks

If you accept payments via mobile apps, social media, or POS systems, each channel must be PCI-secured—expanding your compliance scope.

PCI compliance isn’t optional, but with the right strategy, it’s manageable—and far cheaper than a breach.

FAQs on eCommerce PCI Compliance

Do I need PCI compliance if I only accept PayPal or Stripe?

Yes, but requirements are simpler. For fully outsourced payments (no card data touches your site), you’ll typically file SAQ A—a shorter self-assessment. However, you’re still responsible for securing your checkout environment against skimming attacks.

Can I store credit card numbers if I’m compliant?

Technically yes, but strongly discouraged. PCI rules allow encrypted storage, but breaches still happen. Use tokenization (e.g., Stripe Billing) to avoid liability.

What’s the #1 reason small eCommerce businesses fail audits?

Outdated software. Unpatched CMS platforms (e.g., WooCommerce, Magento) or expired SSL certificates instantly fail scans.

Does PCI compliance guarantee I won’t be hacked?

No—it minimizes risk. Compliance covers baseline security, but advanced threats (like zero-day exploits) require extra measures like WAFs and 24/7 monitoring.

Who enforces PCI rules?

Your payment processor (not the government). They can fine you or terminate services for non-compliance.

Let’s Summarize

PCI compliance isn’t just about avoiding fines. You need to protect your customers, your reputation, and your business’s future. With all requirements covered, you will be able to build a foundation of trust with shoppers who expect secure transactions. That is beyond meeting the industry standards.

Security threats evolve constantly, and compliance is an ongoing process. So prioritize compliance now to ensure smooth, safe, and sustainable growth for your eCommerce business. So, want help with securing your eCommerce website? Then connect with our experts today!

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John Niles

John Niles, a dedicated Technical Consultant at BrainSpate since 2023, specializes in eCommerce. With a global perspective, he crafts insightful content on cutting-edge web development technologies, enriching the digital commerce landscape.

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