Guide to PCI Compliance Cost

When you think about the pros and cons of PCI compliance, you think about the worst case scenario: how terrible it would be to be affected by a data breach. It can devastate your reputation and lose the trust of your customers.

At the end of the day, though, everything comes down to dollars and cents when you’re running a business. So it’s important to know what you’re getting into before your PCI compliance process. Learn about the cost of a Report on Compliance (ROC), various documentation factors, and the potential large-scale needs associated with compliance. Let's take a deep dive into what you can expect from your PCI DSS costs.

How much does it cost to become PCI compliant?

It should come as no surprise that there isn’t a singular average cost of PCI compliance for all businesses. Costs vary considerably from one business to another based on many factors, such as:

  • The number of transactions you process annually
  • The size of your network
  • Your organization and its current security readiness
  • The size of your organization

Those are only a few factors that impact your initial on ongoing costs.

It’s important to note that there are two types of costs that you could incur: costs to implement the PCI DSS standards and costs to certify or document your compliance. Your costs to implement the PCI standards will vary considerably based on the size of your network and how secure it already is.

The cost for documenting your PCI compliance depends on the size of your business. Businesses who process under six million credit card transactions per year will have minimal costs, often just a few hundred dollars per year or less. Businesses that process over six million annual transactions must pay for an onsite audit, which costs thousands each year.

To help you budget for your PCI compliance, let’s break down the typical expenses you can expect for both documentation and implementation.

Costs involved in PCI documentation

PCI documentation can be time consuming without an automated system. The job of figuring out PCI compliance and then following through with documentation usually falls to the hand’s of the company’s head of engineering. This person will then have to spend several hours, weeks, or even months researching, documenting, and then solving the PCI compliance issues that arise. That is a lot of time spent on PCI documentation that could have been spent on building products. It might cost your organization a lot of money spending more time on PCI compliance than on product growth.

The costs listed above will bring your business security up to speed so that you’re adhering to all the PCI DSS standards. However, there’s one more step involved. There are processes you need to follow to officially document your PCI compliance.

This PCI certification cost varies considerably depending on how PCI DSS classifies your business. If you’re a level two, three, or four merchant or a level two service provider, you only need to complete a self-assessment questionnaire, purchase a vulnerability scan, and sign an attestation of compliance form. If you’re a level one merchant or level one service provider, you have the added PCI assessment cost of an onsite audit.

Vulnerability scanning

Vulnerability scanning involves paying an approved scanning vendor, or ASV, to scan your system and check for security vulnerabilities. These scans are only available from providers that the PCI Security Standards Council has already reviewed and approved. The scans typically cost around $200 and up. Merchants and service providers at all levels need to receive these scans.

Onsite PCI audit

For level one merchants and level one service providers (that is, merchants who process over six million transactions per year or service providers who process over 300,000 transactions per year), an audit is a necessary yet costly part of the PCI compliance process.

You’ll need to hire a qualified security assessor or QSA to conduct an onsite audit of your system and your security practices. This audit report is known as a ROC. You’ll have to choose an assessor that appears on PCI SSC’s approved vendor list. Prices are typically quoted from $30k to $200k annually to complete a ROC. Shopping for a QSA can be an opaque and confusing process. A PCI compliance platform can help identify appropriate assessors and ease the stress associated with PCI compliance costs.

Costs involved in becoming PCI compliant

When we ask, “How much does it cost to become PCI DSS compliant?,” there’s not a simple number we can average out for all businesses. While the PCI standards are the same for all businesses, larger organizations usually pay more to secure their networks because of their large-scale needs. In any case, there are several costs you can expect to pay.


PCI DSS requires that you have a firewall to protect your customers’ data. For most businesses, this involves paying an ongoing monthly or annual fee for a pre-developed firewall and paying your developers to update it as needed.

Data encryption

Another requirement of PCI DSS is that you encrypt any payment data as it is transmitted. Typically, this is a process that your internal or outsourced developers will put in place, so you will incur the cost of your developers’ time.

Antivirus software

PCI DSS requires that anyone accepting or processing payments maintains an antivirus software to block viruses from invading their networks and accessing customer data. This is typically an ongoing subscription fee that you will pay.

Identity verification and access control

To be PCI compliant, you need to limit which employees have access to sensitive data within your network. To do this, you need an identity verification system to make sure that those who are accessing the data are truly those who are authorized to access it.

While some organizations choose to have their internal developers create an access control system, most businesses opt to purchase it instead. This is typically a continuous licensing fee that you will pay annually or monthly.

Network security

Your company’s network needs to be set up in a secure way and continuously monitored to make sure it lives up to the latest security standards. While this isn’t a product or service you can purchase like a firewall and antivirus software, it does cost you in the form of your developers’ time.

Training and policy development

PCI DSS doesn’t only outline specifications for your technical system. It also requires certain policies your staff needs to develop and maintain. The process of creating appropriate policies, designing ways to implement and enforce them, and training employees on the new policies can add up in the form of labor costs.

Learn more about PCI DSS

What is PCI DSS?

PCI compliance in 3 steps

Automate your PCI DSS compliance

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PCI Compliance Selection Guide

Determine Your PCI Compliance Level

If your organization processes, stores, or transmits cardholder data, you must comply with the Payment Card Industry Data Security Standard (PCI DSS), a global mandate created by major credit card companies. Compliance is mandatory for any business that accepts credit card payments.

When establishing strategies for implementing and maintaining PCI compliance, your organization needs to understand what constitutes a Merchant or Service Provider, and whether a Self Assessment Questionnaire (SAQ) or Report on Compliance (ROC) is most applicable to your business.

Answer a few short questions and we’ll help identify your compliance level.


Does your business offer services to customers who are interested in your level of PCI compliance?


Identify your PCI SAQ or ROC level

The PCI Security Standards Council has established the below criteria for Merchant and Service Provider validation. Use these descriptions to help determine the SAQ or ROC that best applies to your organization.

Good news! Vanta supports all of the following compliance levels:


A SAQ A is required for Merchants that do not require the physical presence of a credit card (like an eCommerce, mail, or telephone purchase). This means that the Merchant’s business has fully outsourced all cardholder data processing to PCI DSS compliant third party Service Providers, with no electronic storage, processing, or transmission of any cardholder data on the Merchant’s system or premises.

Get PCI DSS certified


A SAQ A-EP is similar to a SAQ A, but is a requirement for Merchants that don't receive cardholder data, but control how cardholder data is redirected to a PCI DSS validated third-party payment processor.

Learn more about eCommerce PCI

for service providers

A SAQ D includes over 200 requirements and covers the entirety of PCI DSS compliance. If you are a Service Provider, a SAQ D is the only SAQ you’re eligible to complete.

Use our PCI checklist

Level 1 for service providers

A Report on Compliance (ROC) is an annual assessment that determines your organization’s ability to protect cardholder data. If you’re a Merchant that processes over six million transactions annually or a Service Provider that processes more than 300,000 transactions annually, your organization is responsible for both a ROC and an Attestation of Compliance (AOC).

Automate your ROC and AOC

Download this checklist for easy reference


Learn more about how Vanta can help. You can also find information on PCI compliance levels at the PCI Security Standards Council website or by contacting your payment processing partner.

The SOC 2 Compliance Checklist

Most businesses look at security compliance as a mountain that is impossible to conquer without an equally mountainous budget and ample time with endless frustrations. The truth is that every organization’s experience will vary, but in most cases, you can achieve compliance and certification easier than you think if you only prepare properly.

That begins with educating yourself about the road ahead and having the right tools in your toolbox, like automated compliance software. If you’re preparing to guide your organization through SOC 2 compliance, our SOC 2 compliance checklist will break down the process and give you a digestible view of the road ahead.


Pre-Work for Your SOC 2 Compliance

Choose the right type of SOC 2 report:

A SOC 2 Type 1 report assesses how your organization aligns with the security controls and policies outlined in SOC 2
A SOC 2 Type 2 report has all the components of a Type 1 report with the addition of testing your controls over a period of time
The correct report will depend on the requirements or requests of the client or partner that is requested a SOC 2 report from you

Determine the framework for your SOC 2 report. Of the five Trust Service Criteria in SOC 2, every organization needs to comply with the first criteria (security), but you only need to assess and document the other criteria that apply. Determining your framework involves deciding which Trust Service Criteria and controls are applicable to your business using our Trust Service Criteria Guide.

Estimate the resources you expect to need. This will vary depending on how closely you already align with SOC 2 security controls but it can include several costs such as:

Compliance software
Engineers and potentially consultants
Security tools such as access control systems
Administrative resources to draft security policies
Auditing for your compliance certification

Obtain buy-in from your organization leadership to provide the resources your SOC 2 compliance will need.


Work Toward SOC 2 Compliance

Begin with an initial assessment of your system using automated compliance software to determine which necessary controls and practices you have already implemented and which you still need to put in place.

Review your Vanta report to determine any controls and protocols within the “Security” Trust Service Criteria that you do not yet meet and implement these one by one. These are multi-tiered controls across several categories of security, including:

CC1: Control Environment
CC2: Communication and Information
CC3: Risk Assessment
CC4: Monitoring Activities
CC5: Control Activities
CC6: Logical and Physical Access Controls
CC7: System Operations
CC8: Change Management
CC9: Risk Mitigation

Using Vanta’s initial assessment report as a to-do list, address each of the applicable controls in the other Trust Services Criteria that you identified in your initial framework but that you have not yet implemented.

Using Vanta’s initial assessment report, draft security policies and protocols that adhere to the standards outlined in SOC 2. Vanta’s tool includes thorough and user-friendly templates to make this simpler and save time for your team.

Run Vanta’s automated compliance software again to determine if you have met all the necessary criteria and controls for your SOC 2 report and to document your compliance with these controls.


Complete a SOC 2 Report Audit

Select and hire an auditor affiliated with the American Institute of Certified Public Accountants (AICPA), the organization that developed and supports SOC 2.

Complete a readiness assessment with this auditor to determine if you have met the minimum standards to undergo a full audit.

If your readiness assessment indicates that there are SOC 2 controls you need to address before your audit, complete these requirements. However, if you have use automated compliance software to guide your preparations and your SOC 2 compliance, this is unlikely.

Undergo a full audit with your SOC 2 report auditor. This may involve weeks or longer of working with your auditor to provide the documentation they need. Vanta simplifies your audit, however, by compiling your compliance evidence and documentation into one platform your auditor can access directly.

When you pass your audit, the auditor will present you with your SOC 2 report to document and verify your compliance.


Maintain Your SOC 2 Compliance Annually

Establish a system or protocol to regularly monitor your SOC 2 compliance and identify any breaches of your compliance, as this can happen with system updates and changes.

Promptly address any gaps in your compliance that arise, rather than waiting until your next audit.

Undergo a SOC 2 re-certification audit each year with your chosen SOC 2 auditor to renew your certification.

Prioritizing Your Security and Opening Doors with SOC 2 Compliance

Information security is a vital priority for any business today from an ethical standpoint and from a business standpoint. Not only could a data breach jeopardize your revenue but many of your future clients and partners may require a SOC 2 report before they consider your organization. Achieving and maintaining your SOC 2 compliance can open countless doors, and you can simplify the process with the help of the checklist above and Vanta’s compliance automation software. Request a demo today to learn more about how we can help you protect and grow your organization.

Download this checklist for easy reference


“Getting our SOC 2 and HIPAA was an absolute game-changer for the way that Nayya is able to sell into larger companies.”

Akash Magoon
Co-Founder + Chief Technology Officer  |  Nayya

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