PCI Compliance

Please be aware that charges for non-compliance are billed by the acquiring bank and NOT Card Saver.

PCI Compliance

You are currently paying up to £35 per month in non-compliance fees to your acquiring bank

Use the below portal links or contact numbers for your particular acquiring bank to get assistance with PCI Compliance.

Save up to £30 per month on your billing by becoming PCI compliant

Understanding PCI

The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information maintain a secure environment.

At the end of 2004, Visa and MasterCard got together to improve card security at an industry level– creating the Payment Card Industry Data Security Standard (PCI DSS). The PCI DSS has now become the global standard, also endorsed by Amex, Diners, JCB and Discover.

But the PCI DSS is not a ‘standard for standard’s sake’. It’s a collection of good practices that any business would do well to have in place. And you may find that you’re already a long way towards fulfilling the requirements of the standard.

In essence, the PCI DSS is about preventing the card payment information held by you, or your third parties, from being used fraudulently – and avoiding the financial loss and damage to your reputation that can result.

If you’d like to access all the details of the standard, please visit the PCI Security Standards Council site at https://www.pcisecuritystandards.org/


The PCI Data Security Standard applies to any business that stores, processes or transmits cardholder data. It applies equally to manual processing and storage of cardholder information, as well as electronic methods of storage.

You may, for instance, be storing cardholder information (e.g. card receipts from terminals) in a way the standard does not allow.

PCI compliance is part of your merchant agreement with Card Saver and your acquiring bank for accepting card payments. All merchants need to be registered as PCI DSS compliant via their respective Data Security Policy.

Failure to complete your self assessment resulting in being non-compliant will incur additional fees.

Levels of PCI Compliance

There are four different levels of PCI compliance. Each has their own specific requirements, and the level that you’re applicable for will depend on the number of payments you’re processing each year:

PCI Compliance checklist

To become compliant, you’ll need to meet a number of security requirements, sometimes called a PCI checklist. There are 12 requirements in total, but you may not need to comply with all of them, depending on the type and volume of transactions you process. These requirements can include:

  1. Install and maintain a firewall configuration to protect cardholder data.
  2. Don’t use vendor-supplied defaults for system passwords and other security parameters.
  1. Protect stored cardholder data.
  2. Encrypt transmission of cardholder data across open, public networks.
  1. Protect all systems against malware and regularly update antivirus software or programs.
  2. Develop and maintain secure systems and applications.
  1. Restrict access to cardholder data by business need to know.
  2. Identify and authenticate access to system components.
  3. Restrict physical access to cardholder data.
  1. Track and monitor all access to network resources and cardholder data.
  2. Regularly test security systems and processes.
  1. Maintain a policy that addresses information security for all personnel.

Depending on your business, the form can be up to 300 questions long

Referral Terms and Conditions

1. Our refer a friend offer is available to existing Card Saver customers who provide a successful referral to Card Saver of a new customer incorporated in the United Kingdom or Republic of Ireland who take services consisting of Card Saver acquiring, Card Saver terminals or Card Saver gateway (the “qualifying services”) and subject to the criteria, exclusions and limitations below. Each successful referral in accordance with these terms shall be entitled to £100 or £150 if referral is submitted before Valentine’s Day 2020 (14th February 2020).

2. This offer is only available until for an unlimited time however this can be amended or withdrawn at Card Saver’s discretion.  

3. The referrer must not be an employee or owner of the business being referred.  

4. The referred customer must be an entity that has never had a facility with Card Saver. 

5. Card Saver’s standard account opening procedures will apply and your friend will need to be accepted as a new customer of Card Saver (which shall be at Card Saver’s sole discretion). Terms and conditions apply to all Card Saver services.  

6. A successful referral is defined as a business live with Card Saver using the qualifying services and where direct debit payment authorities are in place for both the existing and referral customer.  

7. If you pass the contact details of the referral to Card Saver, you are confirming that you have the referral customer’s permission to do so. You consent to us using your name and contact details to verify you as the referrer of your friend and in any communications we may have with your friend and to pass these details to any third parties. 

8. Provided that the terms are complied with, Card Saver will contact you directly by email for the £150 payment to be sent to you.  We will endeavour to send this within 30 days of us being satisfied that the criteria herein for a successful referral have been met.  The £150 will be sent to the email address provided in your application form but will only be issued in the name of your business and not to an individual employed by your business. 

9. This referral offer cannot be combined with any other promotional offer. 

10. The issue of the money is conditional of the referral merchant retaining Card Saver services at the time of issue. If Card Saver is required to terminate services or does not accept the referral merchant’s application, no money will be issued. 

11. Card Saver reserves the right to amend, suspend or withdraw the ‘Referral Road Scheme’ at any time for any reason. The offer is non-transferable and may be revoked at any time for any reason. The rules to the ‘Referral Road Scheme’ may be changed without notice and at the sole discretion of Card Saver. 

12. Card Saver reserves the right to refuse a claim of the £150 if it has reasonable grounds to believe that there has been a breach of these terms and conditions, a misuse of our intellectual property rights including Card Saver trademarks and/or materials, any misrepresentation; abuse of the Referral Road promotion; or any illegal or criminal activity including fraud in connection with this offer.  

13. These terms shall be governed by and interpreted within the laws of England and Wales.


We use cookies on our website to give you a better experience, improve performance, and for analytics. Find out more and control how cookies are used by clicking Cookie settings. By using this website you agree to the use of cookies.