What is PCI Compliance Attestation [How to Prepare Yourself]

Ayush Saxena

Ayush Saxena

Jan 11, 2024

PCI compliance attestation

Businesses navigating the world of payment card transactions must undertake an essential journey—one that leads them to a PCI compliance attestation. In the card payment industry, data security and compliance take center stage. The Payment Card Industry Data Security Standard (PCI-DSS) is a leading compliance standard that transcends a mere checklist of items and becomes a vital badge of trust for enterprises processing cardholder data. 

Therefore, organizations engaged in credit card transactions, including service providers, merchants, and intermediaries, use PCI-DSS as their security beacon. This framework establishes the baseline security level to create a secure card data environment.

In the current landscape dominated by credit card companies, non-compliance poses more than a challenge—it invites substantial fines and other legal consequences. Therefore, PCI DSS compliance can prove pivotal for organizations that process cardholder information. In this blog, we take you through the significance of a PCI compliance attestation and why your business needs one.

What is PCI compliance attestation?

A PCI AOC or Attestation of Compliance (AoC) is a document produced by the organization that acts as a testimony declaring its compliance with the rules and security best practices set forth by the Payment Card Industry Data Security Standard (PCI DSS), thereby safeguarding cardholder data. This process is crucial for businesses that handle credit card transactions as it demonstrates their serious commitment toward payment card data security to customers.

A certified Qualified Security Assessor (QSA), approved by PCI SSC, utilizes Self-Assessment Questionnaires (SAQs) and examines the attestation to ensure adherence to established rules. The assessment process results in either an attestation of Compliance (AoC) or a Report on Compliance (RoC), or both. They review the company’s payment processors that safeguard cardholder data and confirm compliance with the necessary standards under PCI DSS.

Also, to see where you are in terms of getting PCI DSS complaint, first check your eligibility. Download the questionnaire below:

Who needs PCI compliance attestation?

Every organization handling cardholder data or accepting card payments must undergo PCI attestation of compliance or Payment Card Industry Data Security Standard. This attestation of compliance document is a credibility factor that ensures compliance, mitigates violations, and safeguards customer data. 

For instance, Wawa recently agreed to pay an $8 million settlement to end the December 2019 data breach investigation that compromised roughly 34 million payment cards across all Wawa stores. This demonstrates the importance of PCI DSS compliance, which means it is not an optional measure but a stringent requirement.

PCI Compliance Levels

Evaluating an organization’s level of compliance with PCI standards is crucial to understanding attestation requirements. While there are four PCI compliance levels, an Attestation of Compliance (AOC) is mandatory. The necessity for a Report on Compliance (RoC) depends on transaction volume and PCI level. Generally, the more debit and credit card transactions, the more rigorous the assessment conducted by a Qualified Security Assessor (QSA).

PCI compliance attestation

How to prepare for PCI DSS Attestation of Compliance 

Preparing for your PCI attestation of compliance involves strategic planning and efficient resource utilization. Follow these ten steps below before your assessment to ensure a smoother journey.

 1. Understand the PCI DSS requirements

For any company planning to become PCI compliant, it is essential to understand the Payment Card Industry Data Security Standard (PCI DSS) requirements. Every company that must comply with PCI DSS must fulfill twelve general requirements. This will provide the blueprint for what it means to secure cardholder data and achieve compliance.

2. Determine scope

The next step is defining the scope of your cardholder data environment. Understanding the scope of your cardholder data environment is critical for mastering risk management. Here, the assets, processes, systems, and people involved in the processing and transmitting of cardholder data must be mapped out so they can be brought into the scope. 

3. Determine the PCI compliance level

To understand the PCI DSS compliance requirements better, you first need to analyze the level at which your business falls. Determine your compliance level and acknowledge the stringency of requirements. On-site audits may confront Level 1 and Level 2 merchants, whereas Attestation of Compliance (AoC) and Self-Assessment Questionnaires (SAQs) are necessary for Level 3 and Level 4.

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4. Conduct a risk assessment:

After figuring out what falls under the scope, it’s time for a deep dive into risk assessment. Start by conducting a detailed risk analysis of your card data environment. Identify assets, threats, and vulnerabilities, and prioritize reducing risks. The latest PCI DSS update highlights the importance of risk management, making it a key area of focus for PCI DSS compliance.

5. Establish policy and documentation

Organizations should have an internal infosec policy that covers employees, the leadership team, and vendors, if any. After the risk assessment, utilize the insights to document robust policies and procedures. Thorough documentation is the backbone of any security program and a significant part of PCI DSS requirements.

6. Identify and remediate compliance gaps

Allocate funds and resources to address potential security compliance gaps. Consult a Qualified Security Assessor (QSA) to review policies and identify additional compliance gaps. Regular vulnerability scans, quarterly external scans, and annual penetration testing are vital steps to ensure compliance.

7. Internal PCI DSS audit

Conduct an effective internal PCI DSS audit to assess adherence to PCI DSS rules. Engage internal experts or third-party auditors to review security measures. Address and rectify any identified issues promptly.

8. Complete the PCI DSS assessment

A thorough PCI DSS risk assessment should be performed annually as per the PCI guidelines. Furnish honest details in the Self-Assessment Questionnaire (SAQ), verified by the QSA firm in person or virtually. For Level 1 and 2 merchants, a thorough in-person assessment is conducted. Based on the results, an AoC and RoC are issued.

9. Establish maintenance procedures and continuous monitoring

After addressing risks and remediating gaps, shift to a “maintenance mode” by conducting periodic internal audits, holding regular committee meetings, and performing periodic risk assessments. Implement continuous monitoring and regular testing of security controls, including vulnerability assessments, penetration testing, and monitoring for unauthorized access.

10. Regularly update and adapt

Stay proactive by performing periodic internal audits, conducting regular committee meetings, and updating procedures, policies, and security controls as necessary. This ensures an appropriate response to an ever-changing threat landscape and eases the burden of annual assessments.

11. Educate and train employees

Prioritize the human aspect of payment card security by providing education and training. Technical staff should acquire relevant certifications, incident responders must adhere to standard procedures, and non-technical employees should receive education on security awareness practices. Consistent training guarantees a well-prepared team.

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What are the benefits of PCI compliance attestation?

PCI AOC is globally accepted as an international standard. It fosters greater customer trust by reducing the risk of data breaches and streamlines business processes. 

Here are some of the key benefits of PCI DSS attestation of compliance: 

Boosts security posture: As a robust shield against potential breaches, PCI compliance empowers you to implement necessary security controls. It fortifies the security infrastructure and protects you from potential data breaches. Companies can identify threats, misses, or misconfigurations while sending real-time alerts to expedite response time.

Promotes cost-efficient operations: Maintaining security compliance is imperative to reduce the risk of potential breach-related fines significantly. Non-compliance may attract financial penalties and necessitate credit card replacements or compensation for impacted customers. To circumvent such setbacks, one must proactively pursue and retain PCI compliance; this is crucial in minimizing substantial monetary losses.

Regulatory adherence: Businesses that align with PCI DSS compliance maintain their information security at a globally accepted level, meeting regulatory requirements and reducing the impact of data breaches; this rigorous adherence safeguards against reputational damage by mitigating potential risks associated with non-compliance.

Streamlined business operations: PCI compliance standards offer a structured framework that simplifies business processes; consequently, they bolster security and elevate operational efficiency, creating a more resilient and reliable business environment.

Competitive advantage: Being PCI-compliant sets your business apart from competitors. It attracts security-conscious customers and gives you a competitive edge in the market. 

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Achieve PCI DSS Compliance with Sprinto

Securing the PCI-DSS certification is not simply a regulatory checkbox but an embodiment of your organization’s dedication to managing and safeguarding risks associated with sensitive payment card data. It goes beyond a checklist; it fortifies cybersecurity, nurtures customer trust, contributes to cost savings, and aligns businesses with essential regulatory standards.

Achieving PCI compliance independently can be daunting due to over a dozen security requirements and 300 rigorous controls. This process consumes substantial time and resources. Consequently, you may experience delays in securing your Attestation of Compliance.

Sprinto’s smart compliance automation platform streamlines the arduous journey by cutting hundreds of hours. This innovative solution ensures your organization meets all necessary operational controls and implements security best practices, enabling ongoing compliance with PCI DSS.Automating 80% of audit tasks—from collecting evidence to communicating with auditors- accelerates the process and delivers cost savings of up to 60% compared to traditional methods. Opt for efficiency, speed, and cost-effectiveness on your robust PCI DSS compliance journey with Sprinto.


Can PCI Compliance attestation be shared?

Yes, PCI Compliance attestation is intended to be shared with acquiring banks and other requesting parties. However, any sensitive information can be redacted (editing, masking, removing sensitive content) before sharing to ensure the confidentiality of data.

Can organizations use compensating controls for PCI DSS?

Yes, organizations can use compensating controls if it is impossible to meet specific requirements because of technical difficulties. The compensating controls, however, must provide an equivalent level of security.

What does attestation of compliance mean?

An Attestation of Compliance (AOC) is a testimony of an organization’s compliance with the Payment Card Industry Data Security Standard (PCI DSS) and can successfully demonstrate exceptional security best practices to secure cardholder data.

Ayush Saxena

Ayush Saxena

Ayush Saxena is a senior security and compliance writer. Ayush is fascinated by the world of hacking and cybersecurity. He specializes in curating the latest trends and emerging technologies in cybersecurity to provide relevant and actionable insights. You can find him hiking, travelling or listening to music in his free time.

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