PCI compliance documentation and policies documented

PCI-DSS 4.0 Req 12.1 requires that an overall information security policy exists and is reviewed at least annually; Req 12.3 mandates a targeted risk analysis process documented for each requirement. Without a compliance documentation file that states your SAQ type and CDE scope, you cannot demonstrate PCI compliance to an auditor, a payment processor, or an enterprise customer requesting your AOC. ISO 27001:2022 A.5.1 and SOC 2 CC2.2 both require written policies before any technical controls are assessed. A project with good technical controls but no documentation fails a PCI audit regardless of its actual security posture.

Create docs/pci-compliance.md that explicitly states your SAQ type, CDE scope, and covers at minimum: network segmentation approach, encryption method, access controls, logging retention, incident response reference, and vendor compliance. This is the document a QSA will ask for first.

# PCI DSS Compliance Documentation
## SAQ Type: SAQ A — Fully outsourced to Stripe (Level 1 PCI DSS)
## CDE Scope: Minimal — no direct card data. Tokens only.
## Assessment Date: 2026-02-15  Next: 2027-02-15

### Data Protection
All PANs handled by Stripe. App stores payment method IDs (pm_*) only.

### Access Control
Admin access requires MFA (TOTP via Supabase). RBAC documented in docs/rbac.md.

Link this file from your README and reference it in your incident response and vendor compliance docs so the compliance picture is navigable from a single entry point.