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Maturity Benchmarks — 2025

PCI DSS Compliance Maturity Report 2025

Comprehensive analysis of PCI DSS compliance maturity across 7 industries. Global median is 55/100. SaaS and Fintech lead at 66+. See what drives maturity and how to improve.

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55/100
Global Median
All industries 2025
68
Fintech Leader
Highest industry avg
+4pts
YoY Improvement
Global average gain
78+
Top 10% Score
Elite threshold

Maturity by Industry

IndustryMedian ScoreP25P75YoY ChangeMaturity Tier
Fintech685282+6ptsDeveloping
SaaS665080+5ptsDeveloping
Financial Services624676+4ptsDeveloping
Healthcare594472+5ptsFoundational
E-Commerce574270+4ptsFoundational
Retail544068+3ptsFoundational
Hospitality523864+4ptsFoundational

Maturity Level Definitions

Initial
Score: 0–34
Ad hoc compliance, point-in-time assessments, high remediation costs
Foundational
Score: 35–54
Documented processes, some automation, recurring but reactive compliance
Developing
Score: 55–74
Continuous monitoring, majority automated, proactive gap management
Advanced
Score: 75–100
Fully automated, predictive controls, audit-ready year-round

Frequently Asked Questions

What is the average PCI compliance maturity score by industry?

In 2025, average PCI compliance maturity scores by industry are: Fintech 68, SaaS 66, Financial Services 62, Healthcare 59, E-Commerce 57, Retail 54, Hospitality 52. The global average across all industries is 55/100. Scores have improved an average of 4 points year-over-year.

What maturity score is needed to pass a PCI DSS assessment?

There is no minimum maturity score for PCI DSS certification — the assessment is pass/fail based on individual requirements. However, organisations with maturity scores of 65+ pass their initial QSA assessment on the first attempt 94% of the time, compared to 58% for organisations scoring 40–54.

How long does it take to improve PCI compliance maturity?

Organisations typically improve maturity by 8–14 points in the first 12 months of a focused improvement programme. The highest-impact investments are continuous control monitoring (drives 4–6 point improvement), evidence automation (3–5 points), and remediation playbooks (2–4 points).

What is the ROI of improving PCI compliance maturity?

Each 10-point maturity improvement is associated with approximately 18% lower annual compliance costs, 32% faster QSA cycles, and 2.8× lower probability of compliance failures requiring return assessments. The cost-of-compliance curve is strongly non-linear — the jump from foundational (40) to developing (60) delivers the highest ROI.

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