In which situation would SAQ C be applicable?

SAQ C, or Self-Assessment Questionnaire C, is specifically designed for merchants who process cardholder data through payment applications but do not store that data. It is relevant for those who utilize standalone, fully integrated payment terminals that connect directly with a payment gateway and do not retain cardholder data.

In the context provided, the situation that applies to SAQ C involves merchants that are using only virtual terminals without cardholder data storage. This means they are inputting card information for transactions but are not saving that data on their systems. Since they do not store cardholder data and process transactions through a secure online environment, they align perfectly with the criteria stipulated for SAQ C.

The other scenarios do not meet the specific requirements for SAQ C. For instance, merchants with no online transactions would not fall under the purview of SAQ C, as it is specifically tailored for those dealing with electronic payments. Merchants with a payment gateway are typically broader in their transaction capabilities and might engage with cardholder data in a way that necessitates a different SAQ. Service providers have their own set of requirements and are generally subjected to a higher level of scrutiny than the self-assessment questionnaires intended for merchants. Thus, the unique characteristics of virtual terminal