I appreciate you taking the time to share this concern in the Community, @Todd G1. I'm here to provide information about QuickBooks Payment Card Industry Data Security Standard (PCI DSS) compliance.
The need for compliance depends on the specific regulations and laws in your country or region. Using the bank transfer option in QuickBooks Online may still require compliance with certain financial regulations and data protection laws, even if you do not use the credit card option.
PCI compliance helps protect your business and customers from theft and fraud. Payment cards like Visa, MasterCard, American Express, and Discover require PCI compliance every year. If your business accepts, stores, or transmits payment card data, you have to be PCI compliant.
Otherwise, you don’t need to activate the service and submit any requirements. Please know that it won’t interrupt your QuickBooks subscription.
You can read these resources to learn more about PCI DSS Compliance Services:
Let me know if you need further information about the PCI compliance. I'm always here to answer them for you. Keep safe, and have a wonderful day!
