PCI is not, in itself, a law: the standard was put together by business organizations including Visa, MasterCard, and the other major card companies. Merchants that do not comply with PCI DSS are not necessarily breaking any law, but they are probably violating their Terms of Service or contract with their acquiring bank and the card associations. This means that the Merchant might be penalized or sued, or these companies might refuse to work with the Merchant. This would mean that the merchant would be unable to process credit or debit cards.
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