SMB needs to understand the importance of being PCI compliant and that just because the verbiage on a website says the vendor is compliant, doesn't make the merchant compliant. Just because it says it from a service provider standpoint, asking for a copy of their AOC is critical. If your merchant service provider is guiding you through the SAQ, or telling you to just check yes or no, they are coercing you into falsifying documents which is a breach of your agreement.
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