Protect cardholder data and keep your ability to accept card payments. Expert PCI-DSS gap assessments, SAQ completion, network scanning, and ongoing compliance management for Texas businesses.
Your PCI-DSS validation requirements depend on your annual transaction volume. Most small businesses fall into Level 4.
Annual on-site QSA assessment + quarterly network scans
Annual SAQ + quarterly network scans
Annual SAQ + quarterly network scans
Annual SAQ recommended + quarterly network scans
Transaction volumes are per card brand (Visa, Mastercard, etc.) per year. Requirements may vary by payment brand.
PCI-DSS v4.0 organizes cardholder data protection into 12 core requirements. Segler.Net assesses and implements all of them.
Firewalls and network security controls to protect cardholder data environment from untrusted networks.
Secure configurations for all system components — no vendor-supplied defaults for passwords or security parameters.
Protect stored cardholder data using encryption, truncation, masking, and hashing.
Encrypt transmission of cardholder data across open, public networks using strong cryptography.
Deploy anti-malware solutions on all systems commonly affected by malicious software.
Protect all systems and networks from known vulnerabilities through security patches and secure development.
Limit access to system components and cardholder data to only those individuals whose job requires it.
Identify all users with access to system components and authenticate access with unique credentials.
Restrict physical access to cardholder data and system components to authorized personnel only.
Log and monitor all access to system components and cardholder data to detect and investigate anomalies.
Test security of systems and networks regularly through vulnerability scans and penetration testing.
Support information security with organizational policies and programs that address security for all personnel.
The right SAQ type depends on how your business accepts card payments. Segler.Net identifies your correct SAQ and helps you complete it accurately.
E-commerce merchants who outsource all cardholder data functions. Simplest questionnaire — 22 requirements.
Common examples:
Online stores using hosted payment pages (Stripe, Square, PayPal)
Merchants using only imprint machines or standalone dial-out terminals. No electronic cardholder data storage.
Common examples:
Retail stores with standalone payment terminals not connected to internet
Merchants using standalone IP-connected PTS-approved payment terminals. No electronic storage.
Common examples:
Restaurants and retail with internet-connected payment terminals
Merchants with payment application systems connected to the internet. No electronic cardholder data storage.
Common examples:
Businesses using POS systems connected to the internet
Merchants who do not qualify for any other SAQ type. Full PCI-DSS assessment required.
Common examples:
Merchants storing cardholder data or with complex environments
Merchants processing over 6 million transactions annually. Requires on-site assessment by a Qualified Security Assessor (QSA).
Common examples:
Large retailers, e-commerce platforms, payment processors
A proven, systematic approach to achieving and maintaining PCI-DSS compliance for Texas businesses.
Define your cardholder data environment, identify all in-scope systems, and assess gaps against all 12 requirements.
Design and implement network segmentation to minimize your CDE scope and reduce compliance burden.
Implement technical controls, policies, and procedures to close all identified gaps across the 12 requirements.
Complete the appropriate Self-Assessment Questionnaire accurately with supporting evidence documentation.
Quarterly network scans, annual SAQ renewal, and continuous monitoring to maintain PCI-DSS compliance.
Texas SB 2610, effective September 1, 2025, provides a legal safe harbor from punitive damages in data breach lawsuits for Texas businesses that implement a recognized cybersecurity framework — including PCI-DSS.
If your business is already PCI-DSS compliant, you may automatically qualify for SB 2610 safe harbor protection — shielding you from punitive damages in the event of a breach lawsuit involving cardholder data.
Learn About SB 2610 Safe HarborPCI-DSS is explicitly recognized as a qualifying cybersecurity framework under Texas SB 2610.
Safe harbor shields your business from punitive damages in breach-related lawsuits — on top of PCI-DSS liability protection.
SB 2610 applies to Texas businesses with fewer than 250 employees — most small merchants qualify.
Your completed SAQ and compliance documentation serve as evidence of your cybersecurity program for SB 2610 purposes.
Straight answers to what Texas businesses ask most about PCI-DSS compliance and card payment security.
Have a PCI-DSS question specific to your business?
Our San Antonio compliance experts work with Texas businesses of all sizes — no obligation to ask.
Most businesses need to satisfy more than one framework. Segler.Net helps you achieve them efficiently — often with shared controls and documentation.
Healthcare providers accepting card payments need both PCI-DSS and HIPAA. Many technical controls — encryption, access control, audit logging — satisfy both.
HIPAA GuideDefense contractors that accept card payments need both PCI-DSS and CMMC. Network security controls overlap significantly between the two frameworks.
CMMC GuideThe 18 CIS Controls align closely with PCI-DSS requirements and qualify for Texas SB 2610 safe harbor — a natural complement to PCI-DSS compliance.
CIS Controls GuidePCI-DSS-compliant Texas businesses may automatically qualify for SB 2610 safe harbor from punitive damages in breach lawsuits.
SB 2610 GuideStart with a free gap assessment. We'll scope your cardholder data environment and give you a clear path to compliance.