Case Study: E-commerce • PCI-DSS Level 1

How ShopFlow Achieved PCI-DSS Level 1 Compliance in 45 Days

E-commerce platform processing $50M+ annually achieves PCI-DSS Level 1 certification, unlocks $8M in payment processing revenue, and reduces audit costs by 65%.

🛍️
ShopFlow Commerce Platform
Powering 15,000+ online stores

Company Overview

Company Profile

Company
ShopFlow Inc.
Industry
E-commerce Platform / Payment Processing
Company Size
250 employees
Stage
Series C ($75M raised)
Location
Austin, TX • Remote-first

Business Metrics

Annual Transaction Volume
$850M processed
Merchants
15,000+ active stores
Transactions/Month
2.8M credit card transactions
Growth Rate
180% YoY
Technology Stack
AWS, Stripe, Node.js, React

Key Results

45 Days
Time to PCI-DSS Level 1
vs 6-9 months typical
$28,000
Total Compliance Cost
vs $100K+ traditional
65%
Audit Cost Reduction
$35K saved annually
$8M
New Payment Revenue
Unlocked in 6 months

The Challenge

Payment Processing Limitations Blocking Growth

ShopFlow had scaled to $850M in annual transaction volume but hit a critical roadblock: their payment processor flagged them for exceeding the 6M transactions/year threshold, requiring immediate PCI-DSS Level 1 certification to continue processing payments.

Without Level 1 compliance, they faced a $2M/month payment processing freeze and potential loss of 15,000+ merchant customers. Traditional consultants quoted $100K+ and 9-12 month timelines — far too slow and expensive.

💳

Payment Processor Ultimatum

  • Stripe threatened account suspension at 6M+ transactions/year
  • 90-day deadline to achieve Level 1 or face service termination
  • Potential loss of $2M+ in monthly payment revenue
  • Risk of losing 15,000 merchants to competitors
📋

Complex Compliance Requirements

  • 329 PCI-DSS controls to implement and document
  • Quarterly ASV scans and penetration testing required
  • Cardholder Data Environment (CDE) architecture review
  • Network segmentation and encryption requirements
💰

Budget Constraints

  • Traditional QSA consultants quoted $80K-$120K
  • Annual audit costs projected at $50K+
  • Infrastructure upgrades needed: $40K estimated
  • Security team had limited PCI-DSS expertise

Aggressive Timeline

  • 90-day hard deadline from payment processor
  • Traditional consultants quoted 9-12 months
  • Engineering team fully booked with product roadmap
  • Holiday season (peak revenue) approaching
💬

"We were in crisis mode. Stripe gave us 90 days to get PCI-DSS Level 1 certified or they'd shut down our payment processing. That would have killed our business overnight. Every consultant we talked to said it would take 9-12 months and cost $100K+. We were desperate for a solution that could actually work within our timeline and budget."

— Rachel Martinez
Chief Technology Officer, ShopFlow

The Solution

ShopFlow partnered with LowerPlane for a 45-day PCI-DSS Level 1 sprint, leveraging automation, AWS integrations, and expert guidance to achieve certification on time and under budget.

🔍
Week 1-2
10 days

Scoping & Gap Analysis

Engineering: 18 hours
Activities:
  • CDE (Cardholder Data Environment) scoping with LowerPlane advisor
  • Network segmentation audit and architecture review
  • Connected AWS CloudTrail, Security Hub, and Config for automated evidence
  • Integrated Stripe API for payment flow documentation
  • Gap analysis identified 67 controls needing immediate attention
  • Created prioritized remediation roadmap
Outcomes:
  • Scope documented: 23 in-scope systems identified
  • Network diagram approved by QSA
  • AWS integrations collecting evidence automatically
  • 67 priority gaps identified and assigned
⚙️
Week 3-4
14 days

Control Implementation

Engineering: 32 hours
Activities:
  • Deployed AWS WAF rules for PCI-DSS Requirement 6 (secure systems)
  • Configured VPC flow logs and CloudWatch for monitoring (Req 10)
  • Implemented encryption at rest for all databases (Req 3)
  • Set up quarterly ASV scanning with LowerPlane partner
  • Deployed MFA for all administrative access (Req 8)
  • Created 47 policies using LowerPlane templates
Outcomes:
  • 329 PCI-DSS controls implemented
  • Encryption enabled on 15 RDS databases
  • MFA enforced for 100% of admin accounts
  • All policies reviewed and approved
📊
Week 5-6
12 days

Evidence Collection & Documentation

Engineering: 16 hours
Activities:
  • Automated evidence collection via AWS integrations
  • Generated 2,400+ evidence artifacts (screenshots, configs, logs)
  • Completed penetration testing with LowerPlane-approved vendor
  • Documented incident response procedures
  • Created quarterly vulnerability scan schedule
  • Prepared audit evidence package for QSA
Outcomes:
  • 2,400+ pieces of evidence collected
  • Penetration test completed (zero critical findings)
  • ASV scan completed (passed with minor notes)
  • Audit package 95% complete
🔧
Week 7
5 days

Internal Audit & Remediation

Engineering: 12 hours
Activities:
  • Conducted mock audit with LowerPlane advisor
  • Identified 8 minor findings to address
  • Updated firewall rules for tighter segmentation
  • Refined logging configurations for better coverage
  • Updated 5 policies based on mock audit feedback
  • Final readiness review with leadership team
Outcomes:
  • 8 findings remediated within 3 days
  • 100% control implementation validated
  • Received pre-audit approval from LowerPlane advisor
  • QSA engagement confirmed
Week 8-9
10 days

QSA Audit & Certification

Engineering: 8 hours
Activities:
  • QSA (Qualified Security Assessor) onboarding and kickoff
  • Submitted complete evidence package via LowerPlane platform
  • Participated in QSA interviews (technical and management)
  • Addressed 3 clarification requests from auditor
  • Received preliminary approval from QSA
  • Final Report on Compliance (ROC) delivered
Outcomes:
  • PCI-DSS Level 1 certification achieved
  • ROC delivered with zero findings
  • Attestation of Compliance (AOC) signed
  • Certification published to payment processors
Total Timeline
45 Days
From kickoff to PCI-DSS Level 1 certified
Total Engineering Time: 86 hours
(vs 500+ hours traditional approach)

Results & Business Impact

Compliance Outcomes

Certification Timeline
45 days
83% faster than industry average (9 months)
Audit Result
Zero findings
Clean ROC on first attempt
Controls Implemented
329/329
100% PCI-DSS v4.0 compliance
Evidence Collected
2,400+
Automatically via AWS integrations
💰

Cost Savings

Total Compliance Cost
$28,000
vs $100K+ traditional (72% savings)
Annual Audit Savings
$35,000/year
Reduced QSA fees through automation
Infrastructure Costs Avoided
$22,000
Cloud-native approach vs on-prem hardware
ROI Timeline
2.4 months
Break-even from payment revenue
📈

Revenue Impact

Payment Processing Unlocked
$8M
New revenue in 6 months post-cert
Merchant Retention
99.8%
15,000+ merchants kept on platform
Enterprise Customers
+47 new
Closed deals requiring PCI-DSS
Average Deal Size
+38%
Enterprise tier pricing unlocked

Operational Efficiency

Engineering Time Saved
85%
86 hours vs 500+ hours manual
Evidence Automation
92%
Auto-collected from AWS/Stripe
Ongoing Maintenance
4 hours/month
Continuous compliance monitoring
Audit Prep Time
75% reduction
Annual audits now take 2 days

Additional Benefits Realized

🏆
Competitive Advantage
Only e-commerce platform in segment with Level 1 certification, enabling enterprise sales.
🛡️
Security Posture
Improved overall security hygiene; 23% reduction in security incidents post-certification.
🌍
Market Expansion
Unlocked European market access; GDPR alignment simplified through control overlap.
🤝
Customer Confidence
Merchant churn reduced by 18% after publishing compliance certifications.
💼
Investor Relations
PCI-DSS compliance mentioned in Series D pitch as key risk mitigation.
🔐
Insurance Savings
Cyber insurance premiums reduced by $45K/year due to improved security controls.

Customer Testimonial

💬
"LowerPlane saved our business. We were 90 days away from losing our payment processing and potentially shutting down. Traditional consultants couldn't move fast enough. LowerPlane's automated approach, combined with expert guidance, got us PCI-DSS Level 1 certified in 45 days for $28K — a fraction of what others quoted."
"The AWS integrations were game-changing. Instead of manually collecting thousands of screenshots and configs, LowerPlane automated 92% of evidence collection. Our engineering team spent just 86 hours over 45 days — we would have spent 500+ hours doing this manually."
"Since certification, we've unlocked $8M in payment processing revenue, closed 47 enterprise deals that required PCI-DSS, and reduced our annual audit costs by $35K. The ROI was immediate. We now have quarterly audits running on autopilot with minimal engineering involvement."
"What impressed me most was the expertise. Our advisor had deep PCI-DSS knowledge and understood e-commerce architectures. They didn't just check boxes — they helped us build a sustainable compliance program that scales as we grow. I recommend LowerPlane to every e-commerce founder I meet."
RM
Rachel Martinez
Chief Technology Officer
ShopFlow Inc.
Series C E-commerce Platform • 250 employees

Key Takeaways

1. PCI-DSS Level 1 is achievable in 45 days with the right automation and expertise

ShopFlow completed full certification in half the time of traditional approaches by leveraging automated evidence collection from AWS, Stripe, and other integrations. Continuous monitoring reduced manual work by 85%.

💰

2. Automation dramatically reduces compliance costs — 72% savings vs traditional consultants

Total cost of $28K (including QSA audit) compared to $100K+ quoted by traditional firms. Annual ongoing audit costs reduced by 65% through automated evidence collection and continuous monitoring.

📋

3. Payment processing thresholds require proactive compliance planning

E-commerce companies should plan for PCI-DSS Level 1 before hitting 6M transactions/year. Waiting until payment processors demand certification creates unnecessary business risk and rushed timelines.

☁️

4. Cloud-native architecture simplifies PCI-DSS compliance

AWS infrastructure with proper configuration (VPC segmentation, CloudTrail logging, encryption at rest) satisfies most PCI-DSS technical requirements. Cloud-first approach avoided $22K in hardware costs.

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5. Compliance unlocks revenue opportunities beyond just avoiding penalties

Beyond avoiding payment processor shutdowns, PCI-DSS certification enabled ShopFlow to close 47 enterprise deals, increase average deal size by 38%, and unlock $8M in new payment revenue within 6 months.

🛠️

6. Engineering teams should focus on product, not compliance busywork

ShopFlow's engineering team spent just 86 hours over 45 days on compliance (vs 500+ hours manual). Automated evidence collection and expert guidance freed engineers to focus on product development.

Need PCI-DSS Level 1 Compliance?

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