For which SAQ is e-commerce considered not applicable?

The correct identification of the SAQ where e-commerce is considered not applicable is based on the specific nature and requirements of each Self-Assessment Questionnaire. SAQ A is intended for merchants who only accept card-not-present transactions and have fully outsourced their payment processing to validated third-party service providers. E-commerce businesses often fall into this category since they do not handle cardholder data directly.

SAQ C is meant for merchants who process card transactions via a payment application connected to the internet, which is frequently the case with e-commerce sites that manage sessions and transactions directly. This makes SAQ C applicable for e-commerce scenarios, as it involves direct interaction with cardholder data through an integrated payment application.

SAQ D is the most comprehensive SAQ for merchants and service providers who are not eligible for the simpler SAQs, making it applicable in various scenarios, including e-commerce operations, if a merchant takes on the responsibility for processing cardholder data.

SAQ P2PE, on the other hand, is specifically designed for merchants using Point-to-Point Encryption solutions. This framework is generally focused on in-person transactions rather than online interactions, which is why e-commerce as a concept generally falls outside of its applicability. Therefore, recognizing the nuances of how these SAQs address