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How PCI Compliance and EMV Impacts Small Business

What is PCI Compliance? Small Business 101

Every time a business swipes, inserts or collects a customer’s credit card; a massive amount of sensitive data is exchanged. PCI compliance and security standards are the safeguard that maintain and protect this data exchange. 

become PCI compliant as a small business owner

Instant Accepts POS Gateway makes PCI compliance easy and straightforward for small business owners.

PCI stands for payment card industry, and compliance relates to the data security standards (PCI DSS) that ensure any company that accepts, transmits, or processes credit card information maintains a certain level of security. The PCI security standards are administered and managed by an independent body, the PCI SCC, that was created by the major payment brands. PCI compliance falls into 4 major classifications that are determined based on transaction volume over a 12 month period. As a small business, it is important to stay up to date with the PCI compliance standards because failure to do so can lead to fines of over 100K.

Businesses can avoid these fines by leaning on payment processing experts, like InstantAccept, that help business owners safeguard their daily transactions. InstantAccept works with their merchants to help them determine what steps they need to take and whether moving to EMV (chip cards) is the appropriate next step. Prevent credit card fraud within your small business and request an InstantAccept demo today.

Become one step closer to PCI compliance by getting the free demo now!

PCI Compliance Levels

All merchants will fall into one of the four merchant levels based on VISA transactions over a 12 month period. Transaction volume is the main factor for which Merchants Doing Business As (DBA) are slotted for compliance levels.

Level 1

Any Merchant who processes over 6 Million VISA transactions per year and who VIsa, per sole discretion, determines should meet level 1 requirements to minimize risk to the Visa system. Learn more about level 1 merchant compliance here (

Level 2

Any Merchant processing between 1 Million and 6 Million VISA transactions per year – regardless of acceptance channel. Proper validation entails an (1) annual self-assessment Questionnaire (SAQ) (2) Quarterly network scan by ASV. (3) Attestation of compliance form

Level 3

Any Merchant processing 20,000 to 1 Million Visa e-commerce transactions per year. Proper validation entails a (1) annual self-assessment questionnaire (SAQ). (2) quarterly network scan by the ASV. (3) attestation of compliance form.

Level 4

Any Merchant processing fewer than 20,000 Visa E-commerce transactions per year, and all other merchants (processing up to 1 Million per year). This category includes most small to medium sized businesses. Validation entails (1) Annual Self Assessment Questionnaire, (2) quarterly network scan by ASV, (3) attestation of compliance form note.

What PCI means for your small business

As a small business, it is important to stay up to date with the PCI requirements. Wondering how much PCI compliance cost? The total cost to staying up to date as a small business can be about $10 dollars a month but vary greatly based upon an assortment of factors.

It might seem daunting to maintain PCI compliance, but InstantAccept makes it easy. The InstantAccept POS+ is a secure all-in-one EMV (chip card) compatible product that makes aligning with PCI security standards easy. Integrating InstantAccept into your Point of Sale strategy will help (1) mitigate counterfeit credit card fraud (2) global acceptance of EMV payment cards enabled for cardholders (3) enables mobile payments that fall under PCI Compliance.

Start Running Your Business, Not Your Bookkeeping

With Instant Accept you can know that your customer data is safe and secure within a PCI Compliant environment. Fewer hassles, better security, and freedom to grow. Run your business the way that you want to. Why not get started now by clicking the free demo button below! Do it today!

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