The time for nervous anticipation for PCI breach response is over …. VISA has issued dramatic PCI Data Security Standard Compliance enforcement guidance for Level 1 and 2 merchants and all Service Providers. Effective January 1st, 2015, noncompliance costs will be applied sooner and will escalate quicker. For many merchants and service providers looking for a reason to improve compliance just got one. The cost for noncompliance will easily hit $250,000 for many small and mid-sized merchants and service providers.