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Should you do otherwise, such as writing your own code to send card information to the Stripe API, you may be responsible for additional PCI DSS requirements (6.3 - 6.5) and not be eligible for an SAQ A.
In this case, we’d suggest you reach out to a PCI Qualified Security Assessor (QSA) to determine how best to validate your compliance according to the current guidance from the PCI Council.
If you’re not sure how to prove that your business is PCI compliant (e.g., your integration was built by a third-party), Stripe determines what documentation might be required based on how you’re processing payments and provides this information in your account’s compliance settings.
For users that have developed their own integration and are using either Checkout or and Elements to collect card details from customers, you are eligible for the simplest method of PCI validation: SAQ A.
If you continue to use v2, you’ll be required to upload your SAQ A-EP annually to prove your business is PCI compliant.
Stripe has been audited by an independent PCI Qualified Security Assessor (QSA) and is certified as a PCI Level 1 Service Provider.We’ve designed both Checkout and Elements with these changes in mind so that you can continue to validate using SAQ A without losing much of the flexibility and customizability of a form hosted on your website.You can refer to our Elements migration guide to learn how to migrate your checkout flow to Elements.When accepting payments, you must do so in a PCI compliant manner.The simplest way for you to be PCI compliant is to never see (or have access to) card data at all.
This is the most stringent level of certification available in the payments industry.