Achieving PCI DSS compliance involves more than meeting technical requirements—it requires managing a structured process, realistic timelines, and associated costs.

Here’s how the process typically unfolds:

1. Scope definition: Identify which systems, processes, and data flows are in-scope for PCI DSS.

2. Gap assessment: Evaluate existing controls and processes against PCI DSS requirements.

3. Remediation: Address any identified gaps through control implementation or process improvements.

4. Internal validation: Perform internal testing to confirm readiness.

5. Formal validation: Undergo an assessment—either a ROC or SAQ—based on your compliance level.

6. Reporting: Submit required documentation to acquiring banks or payment brands.

Timelines vary based on organization size and readiness but typically range from 3 to 9 months.

Costs depend on factors such as:

• Scope and complexity of the environment

• Resources required for remediation

• Third-party audit fees

• Internal personnel effort

Many organizations align PCI DSS efforts with ISO 27001 and SOC 2 to streamline compliance processes and reduce duplication of effort.