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The Complete Guide To PCI Compliance Levels & How To Determine Your Business’ Obligations For PCI Compliance

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Frank Kehl

Frank Kehl

Frank Kehl has been writing about merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law. After a long and enjoyable career of traveling around the world as an Air Force navigator, he’s comfortably settled down in the wine country town of Paso Robles in California’s scenic Central Coast region. He enjoys reading, photography, hiking, and numerous other outdoor pursuits.
Frank Kehl
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2 Comments

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    Christopher Bulin

    I’ve been in the industry for about 15 years, and have seen some major changes in the industry. I’d Luke to comment on a few things then also the B and Breakfast owner.

    1. Regarding the SAQ: the process is more than just checking a box yes or no, which is how I’d say 80-90% of owners are directed to do either by the agent and or processor. Nowadays most processors have an outsourced pci Dept that handles questions. So even if you are getting hardware and software from same vendor they are other criteria that needs to be met in order to ensure compliance. If at any point you are assigned the incorrect SAQ or you have your agent fill it out you could face long term complications and still not meet the requirements set forth by PCI-DSS.
    2. Now when it comes to the non compliance, From the update of this article there are a number of processors that are charging well over $100/ mo for non compliance. So here’s a question to ponder, if a processor is charging $100/ mo for a smb owners noncompliance what sense of urgency would they have to make you compliant or help?
    3. Glenn, I’m not sure who you are processing with however often times requesting reimbursement fall on deaf ears. I would make constant record of whom you spoke with name, ticket number document notes etc. Also if you have a monthly fee and a statement fee both I assume utilize the same benefit if not ones just for profits. If your pci fee is only $10 still that’s not bad compared to what I’ve seen as a broker in the industry.

    I believe some fees in our industry are necessary as an agent I need to provide also, however the industry has some bad eggs in it too that make it harder for the rest of us.

      Glenn Duerr

      Very informative! We are a “mom and pop” B&B with very simple credit card needs. We don’t upsell and process virtually every room charge through our Hypercon T7 at the time of check-in. The “upcharges” on my monthly statement are, of course, at the very back. By the time I get there, my processor is hoping I’ve gotten bored or tired of trying to follow our statement. In January we were charged a one time “Fast Tracking” charge of $22 so that we get our batches processed the same day if done by 6pm. OK. But then we also have a “monthly fee” of $10, a “bill statement” fee of $5, and a PCI compliance fee of $10. When I called about these fees last month, my processor said they made a mistake and we should only be charged the PCI and statement fees which was the case until last July when they added the “monthly fee”. She said she’d fix these. So, yesterday my statement came and nothing had changed! I’ll be calling them with your information at hand.

        This comment refers to an earlier version of this post and may be outdated.

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