@junwin 

The answer is yes. 

Please understand where I am coming from, as I know where you are and have helped countless merchants with their PCI requirements.

Based on all the similar questions, I will write a blog specifically on this. I hope you find it beneficial.

PCI states that all businesses that store, process, or transmit cardholder data must be PCI Compliant. You have a simple option if you don’t want to go through this. Don’t take credit cards.