Most businesses don’t set out to make their payment systems complicated. But over time through expansion, customer service changes, and legacy workflows many organizations end up accepting credit cards through a tangled mix of methods: phone calls, online portals, point-of-sale terminals, mobile devices, walk-ins, and more.
Each of these payment channels may serve a purpose, but collectively, they pose a serious problem: Payment Channel Sprawl. And sprawl is costly not just in dollars, but in compliance risk, operational overhead, and exposure to data breaches.
Why Payment Channel Sprawl Matters
Every card payment channel comes with its own obligations under the Payment Card Industry Data Security Standard (PCI DSS). The more channels you support, the more environments you must secure. That means more policies, more staff training, more vendor oversight, and more controls to audit.
It also means more potential points of failure. A legacy terminal no one’s monitoring. A phone line where agents still manually take credit card numbers. A customer portal that hasn’t been updated in years. These are the cracks through which both compliance failures and security breaches emerge.
More Isn’t Always Better
For many organizations, the issue isn’t that their systems are broken it’s that they’re duplicated. Low-volume channels continue to operate simply because they haven’t been reviewed. Teams may be maintaining systems that serve only a small fraction of customers while creating outsized risk.
What’s worse, these underused or outdated payment methods often fall outside of regular review cycles. They become blind spots places where sensitive card data might be handled improperly, or where controls aren’t being followed as closely.
Streamline to Reduce Risk
The solution isn’t necessarily high-tech. It starts with a clear, data-driven review of what’s currently in use. Just ask yourself one simple question:
“Are we using more than we need?”
First, map out every way your organization accepts credit card payments. Second, identify which channels are still relevant and which ones could be retired without affecting your customers.
From there, consolidate. When possible, transition multiple workflows onto fewer platforms. Standardize your methods. This doesn’t just reduce your PCI compliance footprint it also makes oversight easier, improves control, and reduces the chance that something falls through the cracks.
A Business Problem, Not Just a Technical One
It’s easy to assume that PCI compliance and payment security are IT issues. But payment sprawl is as much a business decision as a technology one. Finance, operations, and compliance leaders all play a role in defining how payments are handled and how much risk the organization is willing to carry.
Ignoring outdated or unnecessary channels may seem harmless. But the cost of maintaining too many disconnected systems isn’t just inefficient, it’s a liability.
Bottom Line
If you don’t know how many ways your business accepts credit cards, that’s a problem. Reducing payment channel sprawl is one of the simplest, most effective ways to lower compliance risk and improve operational clarity.
Think you’re in control of your credit card systems? Think again.
Watch the webinar and uncover hidden risks that could be costing you more than you realize.
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