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MenuWhat is the process for PCI-DSS compliance for a mobile payment app?
The app facilitates mobile payments; both peer to peer like venmo and to from customers to merchants via QR codes. I'm having trouble finding precise information on this process.
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there is no PCI compliance requirement for consumer devices and the mobile apps running on those devices.
I was general counsel to a payment technology company for 10 years. We processed mobile payments via app and card present scenarios, processing roughly $900M annually. I have gone through the PCI-DSS certification process on numerous occasions.
To answer your question, it depends on how much you are processing. The first million or so is subject only to a self-certification process. After that, you will be required to have third-parties do the appropriate testing and issue the certification. Generally speaking, your merchant bank will give you the requirements.
Happy to have a call and answer any questions.
If you have chosen a credit card processing provider, they should be able to walk you through the PCI-DSS process.
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