What if I'm not PCI compliant?
During the forensic investigation, if it is found that the merchant was not PCI compliant, the fines could be increased to a devastating level. The level varies based on the merchant's cooperation with the card brands. As a merchant, the regulations signed when you open an account at the bank state that the VISA regulations have to be adhered to. Even if you have been in business for decades, PCI still applies if you store, process or transmit credit cards.