2025 Comparison
framework
Data last verified: January 2025
PCI DSS SAQ vs ROC: Which Assessment Do You Need?
SAQ is self-assessment for smaller merchants. ROC is full audit for Level 1 merchants.
Pricing verified Q1 202545+ vendor interviews127+ data sourcesUpdated monthly
Side-by-Side Comparison
| Factor | PCI DSS SAQ | PCI DSS ROC |
|---|---|---|
| Type | Self-Assessment Questionnaire | Report on Compliance |
| Who Needs It | Level 2-4 merchants | Level 1 merchants (6M+ transactions) |
| Cost | $5,000-$20,000 | $50,000-$200,000+ |
| Assessor | Self or ISA | QSA required |
| Complexity | Varies by SAQ type | Full 300+ requirements |
Our Verdict
SAQ for most businesses. ROC required for large merchants or service providers.
Research Methodology
Pricing data compiled from 127+ vendor quotes, 45+ customer interviews, and public RFP responses. Reviewed by security industry experts with 20+ years combined experience.
Last verified: January 2025 • Next update: April 2025
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