
Manual payment processing costs businesses $12-40 per transaction and creates errors in 39% of invoices. Payment workflow automation reduces these costs by 70-90% while eliminating the operational burden that keeps engineering teams from building your core product.

PCI DSS v4.0 changed ecommerce PCI compliance significantly, with new script management requirements and revised SAQ A eligibility criteria effective in 2025. This guide covers compliance levels, SAQ types, scope reduction through tokenization, and documentation requirements for annual assessments.