PCI Compliance Solutions for Secure, PCI-Compliant
Payment Processing

Compliance is a crucial part of payment processing. Every company that processes credit cards, including small businesses, must stay up to date with PCI compliance requirements or risk legal penalties, security breaches, financial losses, and damage to reputation.

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PCI DSS Compliance for Secure Payment Processing

Any business that accepts credit card payments—including small businesses—must meet PCI DSS compliance requirements, regardless of transaction volume. At BAMS, protecting your customers’ payment data is a top priority. That’s why we require all merchants to become PCI DSS compliant within 90 days of approval, helping small and medium businesses achieve PCI compliance certification efficiently and securely.

What Is PCI DSS?

Industry-Wide Security Standards
The Payment Card Industry Data Security Standard (PCI DSS) applies to any business that stores, processes, or transmits credit card information. It’s designed to safeguard sensitive data and prevent breaches.

Compliance Required

Protect Your Business and Customers
BAMS mandates PCI DSS compliance within 90 days of approval to help merchants avoid costly penalties, protect sensitive customer data, and reduce their vulnerability to cyberattacks.

Backed by Major Card Brands

Trusted Across the Industry
PCI DSS was developed by American Express, Discover, JCB, MasterCard, and Visa to reduce cardholder data theft. It also covers mobile payment platforms, so if you’re wondering, “Is Apple Pay PCI compliant?” the answer is yes.

PCI DSS Compliance Requirements

  • Secure storage and encryption of cardholder data
  • Regular vulnerability scans and security testing
  • Strong access controls and authentication
  • Ongoing monitoring and compliance validation

How do I become compliant with the PCI DSS?

As a merchant who stores, processes or transmits payment card data, you are required to be PCI DSS Compliant by the payment brands and BAMS. If you’re wondering how to get PCI compliance, BAMS provides a guided, end-to-end PCI compliance solution that simplifies the certification process for small businesses. One of our experts will help your business become certified upon receipt of your terminal or virtual gateway. We will walk you through these two easy steps to PCI DSS Compliance:
1

Annual Self-Assessment Questionnaire

An annual Self-Assessment Questionnaire (SAQ) determines if you are taking proper precautions to protect your payment card data. Similar to an insurance questionnaire, it can be done via the Internet, or we can provide you with a copy of your SAQ to sign and submit for PCI Compliance.
2

Quarterly Security Scans

Quarterly security scans if your systems are connected to the Internet. The scans look for weaknesses that an attacker might use to access your systems. A PCI-Certified Approved Scanning Vendor (ASV), such as BAMS partner, ControlScan, must conduct these scans.

Need Help With The PCI Compliance Certification Process?

Contact BAMS today!
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Frequently Asked Questions

PCI DSS compliance means meeting the security standards established by the Payment Card Industry Data Security Standard (PCI DSS). These standards are designed to protect cardholder data and apply to any business that stores, processes, or transmits credit card information. Achieving PCI DSS compliance helps reduce the risk of data breaches, fraud, and financial penalties while ensuring secure payment processing.

Small businesses get PCI compliant by completing a few required steps, which typically include filling out an annual PCI DSS Self-Assessment Questionnaire (SAQ) and completing quarterly security scans if their systems are connected to the internet. Working with a PCI compliance solution provider like BAMS simplifies the process by offering guidance, tools, and support to help small businesses meet PCI DSS compliance requirements efficiently.

Yes. Even if you use a PCI-compliant payment gateway, your business is still responsible for maintaining PCI DSS compliance. While a secure payment gateway reduces your scope and risk, merchants must still validate compliance annually and follow required security practices. Using a PCI-compliant payment solution helps streamline compliance, but it does not eliminate the requirement.

To get PCI compliance, businesses must first determine which Self-Assessment Questionnaire applies to their payment environment. From there, they must complete the SAQ, address any security gaps, and complete quarterly scans if applicable. BAMS helps businesses get PCI compliant by providing step-by-step guidance, secure PCI-compliant payment solutions, and access to trusted scanning partners.

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