Any merchant who accepts credit cards and has a merchant account must validate compliance. It does not matter if you use a 3rd party processor or if you outsource all of your credit card processing. It’s the ownership of the merchant account that defines if you must validate compliance. The only to avoid PCI compliance [...]

The low cost of web and email based fax delivery services may seem like a good way to save your business money but not if you receive credit card payments by fax. This would fall under the Payment Card Industry standard section 4 that requires transmission of cardholder data across open-public networks to be encrypted [...]