Compliance Audits
PCI DSS v4.0 · SAQ + ROC

Accept card payments without the PCI headache. SAQ or ROC, scope minimized.

PCI DSS (Payment Card Industry Data Security Standard) applies to every business that accepts card payments. The 4 merchant levels determine your reporting: Level 4 (under 20K transactions) self-attests via SAQ; Level 1 (over 6M transactions) needs a full ROC audited by a QSA. We help you minimize scope (most merchants do not need full PCI DSS) and prep the right SAQ or coordinate the ROC.

All 50 states + DC 60-day money-back SOC 2 Type II
How it works

How we handle PCI DSS, end-to-end.

PCI DSS (Payment Card Industry Data Security Standard) applies to every business that accepts card payments.

1

Merchant level + SAQ type

We confirm your merchant level (1-4 by annual transaction volume) and the appropriate SAQ (A, A-EP, B, C, D-M, P2PE). Most online merchants using Stripe Hosted Checkout qualify for SAQ A (the shortest).

2

Scope reduction

PCI DSS scope is everything that stores, processes, or transmits cardholder data. We help you redirect to hosted payment forms (Stripe Elements, Hosted Checkout), tokenization, and P2PE so your environment falls outside scope.

3

SAQ completion or ROC prep

For SAQ: we complete the questionnaire with you and submit to your acquirer. For ROC (Level 1): we prep for QSA engagement, coordinate evidence, and manage remediation.

4

Annual maintenance

PCI DSS is annual. We re-assess every 12 months, update SAQ, and handle any breach-triggered requirements (forensic investigation, FRP, ASV scans).

What we'll set up for you

A clean handoff, in four steps.

You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.

01 · Name + Brand

A name that's actually available.

Real-time check against the state register, USPTO trademark database, and matching domains.

02 · State filing

Filed with the Secretary of State.

We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.

03 · Federal IDs

EIN + the right tax setup.

Federal Employer ID with the IRS, plus state tax accounts when your business needs them.

04 · Stay compliant

Registered Agent + deadline tracking.

Your agent on file in every state, with every renewal and annual report tracked in one calendar.

Pricing

Transparent pci dss pricing.

Government fees pass through at cost. No upsells.

SAQ D-M

$9999
Complex merchant SAQ.

For merchants with payment data in their environment (some processed in-house). Full SAQ D-M completion, vulnerability scanning, quarterly ASV scans coordination, annual pentest coordination.

Get started

ROC prep

$29999
Level 1 merchant ROC.

For Level 1 merchants requiring full Report on Compliance audited by a QSA. We prep your environment, coordinate with QSA, manage remediation. QSA audit fee separate ($75K-$200K typical).

Get started
FAQ

About the PCI DSS Compliance Service.

What is PCI DSS compliance?
PCI DSS is the Payment Card Industry Data Security Standard, a set of security requirements any business that stores, processes, or transmits credit card data must meet to protect cardholder information. It is required by the card networks, not the government. We keep your entity organized so meeting it is manageable.
Who has to comply with PCI DSS?
Any business that accepts card payments must comply to some degree, with the level of requirements depending on your transaction volume and how you handle card data. Even small merchants have obligations. We flag your likely level so you understand what compliance involves for your setup.
How do payment processors affect PCI scope?
Using a compliant processor like Stripe and never touching raw card data, via hosted fields or redirects, dramatically reduces your PCI scope, often to a short self-assessment. How you integrate payments is the biggest driver. We flag this so you keep your scope, and burden, small.
What are the PCI compliance levels?
There are four merchant levels based on annual card transaction volume, with higher-volume merchants facing more rigorous validation like external audits, and smaller ones completing a self-assessment questionnaire. We flag which level fits your volume so you meet the right requirements.
What does PCI DSS require?
Protecting stored cardholder data, securing your network, controlling access, monitoring, and maintaining security policies, scaled to your level. Minimizing what card data you handle is the key strategy. We keep your business organized so the applicable controls have a foundation.
What happens if I am not compliant?
Non-compliance can bring fines from your processor or the card networks, higher fees, and serious liability if a breach exposes card data, so it is a real financial and reputational risk. We flag it so your payment setup is designed to keep you compliant and low-scope.
How do I reduce my PCI burden?
By never storing card data yourself and using a compliant payment provider's hosted solutions, which shifts most of the burden to the processor and keeps your validation simple. We flag payment-integration choices so your business stays low-scope.
Does PCI overlap with SOC 2 or other frameworks?
It shares security controls with frameworks like SOC 2 and general data security, so effort can carry over if you need several, though PCI is specific to card data. We flag which frameworks your business needs so controls are built efficiently.
Can File.Business help me handle payment compliance?
We keep your entity organized and flag how your payment setup affects PCI scope and which security frameworks apply, so you design payments to minimize the burden, coordinating with a security specialist for validation where needed.
SOC 2 Type II audited
220,000+ businesses. 60-day money-back. State fees passed through at cost.
Your operating system, not a transaction
Every deadline auto-tracked across your entities. Compliance Score visible year-round.
Transparent pricing
No hidden fees. No upsells at checkout. State fees disclosed upfront.

Start your business in the next 5 minutes.

No state-fee markup. Pay only the state fee. 60-day money-back guarantee.

No state-fee markup 60-day money-back Cancel anytime
$0 + state fee Start my business