re: Need help understanding. What is PCI DSS Certification and why do I need it?

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risk fines from the credit card processors.

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LOLZ. I watched a company with 7 billion in annual revenue get fined $50k a month for non compliance by *one* of the card brands, for nearly two years until we cleaned them up. The fines are generally a joke. ETA, nearly all of the revenue came from payment cards.

The only two things that make merchants pay attention is the threat of changing the transaction rate, and the threat to cut off access to the processing network, which I've never seen done.