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PCI DSS v4.0 — PCI Security Standards Council

PCI DSS Compliance for Startups — Done For You.

Take card payments without the compliance headache. Folksoft scopes your cardholder data environment, picks the right SAQ, and keeps evidence audit-ready — so you stay PCI compliant while you build.

Scoped and SAQ-ready in weeks — no security team needed.
SAQ-ready in weeks Scope minimised 12 Requirements Continuous
12
Core requirements covered
6
Security goals
v4.0
Latest standard, end to end
30-day
Money-back guarantee
The platform

What Folksoft does for your PCI DSS

From the moment you connect your stack to the day you submit your SAQ, Folksoft runs the program for you.

Autonomous scoping

Agents map your cardholder data environment (CDE) and minimise scope so you only tackle what actually applies.

Right SAQ, chosen for you

We determine the correct Self-Assessment Questionnaire (A, A-EP, D, etc.) based on how you handle card data.

SAQ A A-EP D

Policies & evidence, written for you

Required policies drafted and kept current; evidence collected continuously.

Collected automatically
No screenshotsNo spreadsheets

Continuous monitoring of your stack

Folksoft watches your AWS, Azure, GCP, GitHub, GitLab, and Okta environments for drift against the 12 requirements.

QSA / ASV guidance

We connect you with a Qualified Security Assessor or Approved Scanning Vendor where needed and guide you through validation.

Scoped QSA / ASV engaged Validated
SAQ vs ROC

Which one do you need?

Most startups validate with a Self-Assessment Questionnaire. A QSA-led Report on Compliance is reserved for Level 1 merchants.

SAQ

Self-Assessment Questionnaire

For most startups and smaller merchants (Levels 2–4). A self-validated questionnaire; the fastest route to demonstrating PCI compliance.

ValidationSelf-assessed
One questionnaire — completed by you, prepared by Folksoft
Most startups start here — Levels 2–4
ROC

Report on Compliance

Required for Level 1 merchants (or when acquirers demand it). A formal assessment performed by a Qualified Security Assessor.

ScopingAssessmentReport
A formal engagement — evidence reviewed by a QSA
Level 1, or when your acquirer requires it

In short: Most startups validate via an SAQ; you only need a QSA-led ROC at Level 1 or when your acquirer requires it. Folksoft determines which path applies and prepares you for it.

Read our full PCI DSS SAQ vs ROC guide
Who needs it

Who needs PCI DSS?

If any of these sound like you, PCI DSS is likely on your critical path.

Startups touching cardholder data

Startups that store, process, or transmit cardholder data.

SaaS & fintech taking payments

SaaS and fintech companies accepting card payments directly — not purely via a redirect to a compliant processor.

Asked for an SAQ or AoC

Companies whose acquirer or payment partner requires an SAQ or Attestation of Compliance.

Marketplaces & platforms

Marketplaces and platforms touching card data on behalf of others.

FAQ

PCI DSS questions, answered

Everything founders ask us before starting their PCI DSS journey.

Still have questions?

01 Do I need PCI DSS if I use Stripe or Checkout?

Usually yes, but the scope is much smaller. Even with a compliant processor you typically must validate an SAQ (often SAQ A). Folksoft confirms your exact obligations.

02 How long does PCI DSS take with Folksoft?

Most startups are SAQ-ready in weeks; timing depends on how card data flows through your systems.

03 How much does PCI DSS cost?

It depends on your merchant level, SAQ type, and environment scope. Contact us for a tailored quote.

04 Can I get PCI DSS compliant without a security team?

Yes. Folksoft runs the program and pairs you with a real GRC analyst.

Get started

Get PCI DSS ready in weeks.

Book a demo and we'll map your fastest path to PCI compliance — scope minimised, the right SAQ, evidence handled.

30-day money-back guarantee. No security hires needed.