PCI Compliance and Payment Security
SAQ C Guide
Understanding SAQ C for PCI Compliance
The Self-Assessment Questionnaire C (SAQ C) is designed for merchants who process card payments through payment terminals or electronic point-of-sale (POS) systems but do not store cardholder data electronically. Completing the SAQ C is a critical step in maintaining PCI compliance and ensuring payment security for your business.
Who Should Complete SAQ C?
SAQ C applies to merchants with payment systems connected to the internet but who do not electronically store cardholder data. This typically includes businesses using standalone POS terminals or payment applications that transmit data securely without local storage. Understanding if SAQ C fits your business helps you focus on the right security controls.
Key Requirements of SAQ C
- Install and maintain a firewall to protect cardholder data.
- Use secure configurations for all system components.
- Protect stored cardholder data if any is retained temporarily.
- Encrypt transmission of cardholder data across open, public networks.
- Use and regularly update anti-virus software.
- Restrict access to cardholder data by business need-to-know.
- Assign unique IDs to each person with computer access.
- Track and monitor all access to network resources and cardholder data.
- Regularly test security systems and processes.
For merchants using Merchant Statement Scanner, scanning your PDF merchant statements can help analyze processing fees and identify potential savings, complementing your PCI compliance efforts by optimizing payment processing.
Next Steps for SAQ C Compliance
Begin by reviewing your payment processing environment to confirm SAQ C applicability. Then, complete the questionnaire carefully, addressing each security requirement. Consider consulting with your payment processor or a PCI compliance expert if questions arise. Finally, use tools like Merchant Statement Scanner to review your payment processing fees, ensuring your operations are both secure and cost-effective.
Related guides in this hub
Verify this against your real statement
Upload a PDF merchant statement to see fees, categories, and effective rate.