@JonoSC 

After spending close to 20 years in the payments industry and another combined ten as an entrepreneur, there is one thing I have learned. Often industries have rules to the game but aren’t willing to share them with the players, which creates an unfair advantage. 

So if you want to play, you need to know the rules. 

There appear to be numerous threads on this subject, so I have taken it upon myself to create a new discussion, “All Things PCI: What is it? Who’s it for? Why do you have to do it?”

Regarding your points, I can get into more of a discussion with you and would like to connect outside of here if you are open to it.