Non-compliance penalties vary based on your payment processor and transaction volume, but fines typically range from $5,000 to $500,000 per incident. Beyond fines, you may face increased transaction fees, higher insurance premiums, loss of payment processing privileges, and significant costs from data breach remediation and lawsuits. The average cost of a payment card data breach exceeds $4 million when factoring in forensic investigations, legal fees, customer notification, and business disruption.