If your forms collect payment information, even indirectly, PCI compliance isn't optional. It's the difference between a secure checkout experience and a liability that can cost your business thousands in fines, not to mention the customer trust you've worked hard to build.
Finding a form builder that takes PCI compliance seriously without sacrificing design or conversion performance is harder than it sounds. Most tools bolt on compliance as an afterthought. The best ones build security into their architecture from the ground up.
This list covers the top PCI compliant form builders in 2026, evaluated on security standards, ease of use, payment integrations, and how well they serve high-growth teams that need both protection and performance. Whether you're collecting payments, qualifying leads, or onboarding new customers, there's a tool here that fits your stack.
A quick compliance note before we dive in: No form builder can make your entire business PCI compliant on its own. PCI compliance is a shared responsibility. The tool handles its part through secure data transmission, tokenization, and certified infrastructure, but your business must also maintain secure servers, access controls, and regular audits depending on your processing volume. Always verify current certifications directly with each vendor.
1. Orbit AI
Best for: High-growth SaaS and marketing teams that need compliance-ready forms with built-in AI lead qualification.
Orbit AI is an AI-powered form builder designed for teams that refuse to choose between security and performance.
Where This Tool Shines
Most form builders make you pick between compliance and conversion. Orbit AI is built on the premise that you shouldn't have to. Its compliance-ready security infrastructure means payment-adjacent workflows are handled with the same rigor you'd expect from enterprise tools, while the modern UI keeps completion rates high and friction low.
What genuinely sets Orbit AI apart in this category is the AI-powered lead qualification layer baked directly into the form flow. Rather than collecting data and hoping your CRM does the heavy lifting later, Orbit AI qualifies prospects in real time as they move through the form. For high-growth teams managing large volumes of inbound leads alongside payment workflows, that combination is rare and genuinely useful.
Key Features
AI-Powered Lead Qualification: Automatically scores and qualifies leads within the form flow, so your sales team receives pre-filtered, high-intent prospects rather than raw submissions.
Conversion-Optimized Form Design: Modern, clean UI with templates built specifically for lead generation, onboarding, and payment-adjacent workflows.
Compliance-Ready Security Infrastructure: Built with security at the architecture level rather than added on top. Visit orbitforms.ai/security for current compliance details.
CRM and Marketing Stack Integrations: Connects with the tools your team already uses, so form data flows directly into your pipeline without manual exports.
Flexible Templates: Pre-built templates covering lead gen, customer onboarding, and payment-adjacent use cases that you can deploy quickly and customize deeply.
Best For
SaaS companies, marketing teams, and high-growth businesses that need compliant form infrastructure without sacrificing the design quality and conversion performance their brand demands. Particularly strong for teams running lead qualification alongside payment collection workflows.
Pricing
Visit orbitforms.ai/pricing for current plan details. Free building options are available to get started.
2. Typeform
Best for: Teams that prioritize conversational UX and want PCI compliance handled through Stripe integration.
Typeform is a conversational form builder best known for its one-question-at-a-time format that keeps respondents engaged through the entire form flow.
Where This Tool Shines
Typeform's signature UX, presenting one question at a time in a clean, distraction-free interface, tends to feel less like filling out a form and more like having a conversation. For teams collecting information before a payment step, this approach can meaningfully reduce drop-off.
On the compliance side, Typeform achieves PCI scope reduction through its Stripe integration. Stripe handles all cardholder data via tokenization, so sensitive payment information never passes through Typeform's servers. It's worth noting that Typeform itself is not PCI DSS certified; the compliance story here is built on Stripe's certification, which is a legitimate and widely accepted approach.
Key Features
Conversational Single-Question UX: The one-at-a-time format reduces cognitive load and keeps completion rates higher than traditional multi-field forms.
Stripe Integration for PCI-Compliant Payments: Cardholder data is handled entirely by Stripe, keeping Typeform outside PCI scope for card data.
SOC 2 Type II Certified: Demonstrates a strong commitment to security controls beyond just payment compliance.
Logic Jumps and Conditional Branching: Route respondents through different paths based on their answers, enabling personalized form experiences.
Wide Integration Ecosystem: Connects with HubSpot, Salesforce, Zapier, and dozens of other tools your team likely already uses.
Best For
Marketing and product teams that want a polished, brand-forward form experience with payment collection handled securely through Stripe. Less suited for teams needing deep enterprise compliance controls or multiple payment gateway options.
Pricing
Free plan available. Paid plans start around $25/month. Verify current pricing at their site, as plans and features change regularly.
3. Jotform
Best for: Teams that need the broadest payment gateway support and one of the strongest native compliance stories in the category.
Jotform is a feature-rich form builder with one of the most explicit and well-documented compliance positions of any tool in this list.
Where This Tool Shines
Jotform claims PCI DSS Level 1 Service Provider certification, which is the highest certification level in the standard, typically associated with large-volume processors. If accurate and current (always verify directly on their security page), this puts Jotform in a small group of form builders that have pursued native certification rather than relying entirely on scope reduction through third-party payment processors.
The payment gateway breadth here is genuinely impressive. With support for more than 30 payment integrations including Stripe, Square, PayPal, and Authorize.net, Jotform is one of the few form builders that can meet teams wherever their payment infrastructure already lives.
Key Features
PCI DSS Level 1 Service Provider Certification: One of the strongest compliance claims in the form builder category. Verify current status on their security page.
30+ Payment Gateway Integrations: Broader payment processor support than almost any competitor, giving teams flexibility in how they collect payments.
HIPAA-Compliant Plans: For teams in healthcare or handling protected health information alongside payment data.
Extensive Template Library: Hundreds of payment form templates that can dramatically reduce setup time.
Conditional Logic and Workflow Automation: Build smart forms that route submissions, trigger notifications, and connect to downstream systems automatically.
Best For
Small to mid-size businesses, nonprofits, and e-commerce teams that want a broad feature set, strong compliance documentation, and wide payment gateway flexibility without moving to enterprise pricing.
Pricing
Free plan available. Paid plans start around $34/month. Verify current pricing on their site, as tiers and features are updated regularly.
4. Formstack
Best for: Regulated industries that need PCI DSS, HIPAA, GDPR, and SOC 2 compliance consolidated into a single platform.
Formstack is an enterprise-grade form and workflow platform built specifically for teams operating in regulated environments.
Where This Tool Shines
Formstack's core value proposition is compliance breadth. Rather than covering one regulatory standard, it positions itself as a platform that handles PCI DSS, HIPAA, GDPR, and SOC 2 in a single environment. For teams in healthcare, finance, legal, or education, that consolidation can eliminate the need to stitch together multiple compliant tools for different workflows.
Beyond forms, Formstack extends into workflow automation and document generation, which makes it useful for teams that need compliant data collection as part of a larger operational process rather than just a standalone form.
Key Features
Multi-Standard Compliance: PCI DSS, HIPAA, GDPR, and SOC 2 coverage in one platform, which is rare at this price point.
Advanced Workflow Automation: Build multi-step approval workflows and document generation pipelines directly connected to form submissions.
Role-Based Access Controls and Audit Logging: Granular permissions and a full audit trail for teams with strict internal governance requirements.
Salesforce and Enterprise CRM Integrations: Deep integrations with the CRM and data platforms that enterprise teams rely on.
Vertical-Specific Features: Purpose-built tools and templates for healthcare, finance, and legal use cases.
Best For
Enterprise teams and regulated-industry organizations that need compliance across multiple standards and want workflow automation alongside form collection. The pricing reflects this positioning, so it's less suited for small teams or early-stage startups.
Pricing
Starts around $83/month. Enterprise pricing available for larger teams. Verify current plans directly on their site.
5. Gravity Forms
Best for: WordPress developers and agencies that want full control over form customization with PCI scope reduction through hosted payment fields.
Gravity Forms is a self-hosted WordPress plugin that gives developers deep customization control while handling PCI scope through Stripe and PayPal's hosted payment field integrations.
Where This Tool Shines
If your stack is built on WordPress and you want a form builder that fits naturally into that ecosystem, Gravity Forms is the most mature and extensible option available. Its large add-on ecosystem means you can extend functionality significantly beyond what ships out of the box.
The PCI compliance approach here is scope reduction through hosted fields. When you use the Stripe or PayPal add-ons, card data is captured directly by those processors via iframes or redirects, meaning it never touches your WordPress server. The important caveat: because Gravity Forms is self-hosted, you as the site owner are responsible for your server's own security posture. That's a meaningful distinction from cloud-hosted tools where the vendor manages infrastructure security.
Key Features
Self-Hosted WordPress Plugin: Full ownership of your form data and complete flexibility to customize every aspect of the form experience.
PCI Scope Reduction via Hosted Fields: Stripe and PayPal add-ons use hosted payment fields so cardholder data never passes through your server.
Conditional Logic and Multi-Page Forms: Build complex, branching form experiences that adapt to user input across multiple steps.
Large Add-On Ecosystem: Dozens of official and third-party add-ons for payments, CRMs, email marketing, and more.
Developer-Friendly Architecture: Extensive hooks, filters, and a well-documented API for teams that need custom integrations.
Best For
WordPress developers, digital agencies, and businesses already invested in the WordPress ecosystem that want maximum customization and are comfortable managing their own server security requirements.
Pricing
Annual license starting around $59/year. Verify current pricing and license tiers on their site, as add-ons may be priced separately.
6. Cognito Forms
Best for: Small businesses and nonprofits that need PCI-compliant payment collection on a tight budget.
Cognito Forms is a budget-friendly form builder with built-in Stripe integration that handles PCI compliance through tokenization, plus one of the more generous free tiers in the category.
Where This Tool Shines
Cognito Forms punches above its price point. The built-in Stripe integration means PCI scope for card data is handled through Stripe's tokenization infrastructure, keeping sensitive payment information off Cognito's servers. For smaller teams that don't need the full enterprise compliance stack but do need to collect payments securely, this is a clean and cost-effective solution.
The platform also handles some form logic that many competitors charge extra for, including repeating sections (useful for forms where users need to add multiple line items) and calculation fields that can compute totals dynamically. These features make it particularly useful for order forms and event registrations.
Key Features
PCI Compliance Through Stripe Tokenization: Card data is captured and tokenized by Stripe, so it never touches Cognito Forms' infrastructure.
Repeating Sections and Calculation Fields: Useful for order forms, invoices, and any workflow where users need to add variable quantities of items.
Conditional Logic and Branching: Show or hide fields based on previous answers to keep forms clean and relevant.
Generous Free Tier: One of the more usable free plans in the category, making it accessible for teams testing the platform before committing.
GDPR Data Management Tools: Built-in tools for managing data subject requests and maintaining GDPR compliance alongside payment collection.
Best For
Small businesses, nonprofits, and early-stage teams that need reliable PCI-compliant payment collection without the budget for enterprise tools. Also a good fit for teams building order forms or event registration flows that need calculation logic.
Pricing
Free plan available. Paid plans start around $15/month. Verify current pricing on their site.
7. 123FormBuilder
Best for: Enterprise teams that need PCI DSS Level 1 certification with audit trail features and multi-processor payment support.
123FormBuilder is an enterprise-oriented form builder with strong compliance documentation and support for multiple payment processors in a single platform.
Where This Tool Shines
123FormBuilder is less prominent in the general conversation about form builders, but its compliance story is worth taking seriously. The platform claims PCI DSS Level 1 Service Provider certification (verify current status on their security page), which puts it alongside Jotform in a small group of form builders pursuing native certification rather than relying solely on processor scope reduction.
The audit trail features are a standout for enterprise teams with internal governance requirements. Being able to track who accessed what data and when is often a requirement in regulated industries, and 123FormBuilder surfaces this functionality in a way that many competitors don't.
Key Features
PCI DSS Level 1 Service Provider Certification: One of the strongest compliance claims available. Verify current status directly on their security page.
Multiple Payment Processor Integrations: Flexibility to work with your existing payment infrastructure rather than being locked into a single processor.
Audit Trail and Data Encryption: Full logging of data access and modifications, plus encryption at rest and in transit.
HIPAA and GDPR Compliant Plans: Multi-standard compliance coverage for teams operating across different regulatory environments.
Enterprise Access Controls: Role-based permissions and team management features suited for larger organizations with multiple stakeholders.
Best For
Enterprise organizations and compliance-heavy teams that need documented PCI DSS Level 1 certification, audit trail functionality, and the ability to work with multiple payment processors. Less well-known than Jotform or Typeform, but a strong choice when compliance documentation is the primary decision driver.
Pricing
Free plan available. Paid plans start around $32/month. Enterprise pricing available for larger teams. Verify current plans on their site.
8. Stripe Payment Links
Best for: Teams that want maximum PCI scope reduction and minimum setup complexity for straightforward payment collection.
Stripe Payment Links is not a traditional form builder, but it earns a place on this list because it represents the gold standard for PCI scope reduction in payment collection.
Where This Tool Shines
When you use Stripe Payment Links, cardholder data never touches your infrastructure at all. Stripe is a PCI DSS Level 1 certified service provider, and all payment processing happens entirely within Stripe's environment. For teams where payment collection is the primary goal and customization requirements are modest, this is the simplest and most airtight compliance story available.
The trade-off is flexibility. Stripe Payment Links offers customizable hosted payment pages, but you're working within Stripe's design constraints rather than building a fully custom form experience. If you need conditional logic, multi-step flows, lead qualification, or deep branding control, you'll hit the ceiling quickly. Think of it as the right tool for a specific job: fast, secure payment collection with zero compliance overhead.
Key Features
Full PCI DSS Level 1 Compliance: Stripe is a certified Level 1 service provider, and all cardholder data stays within Stripe's infrastructure.
Zero Cardholder Data on Your Servers: Complete PCI scope reduction for card data, with no configuration required on your end.
Customizable Hosted Payment Pages: Add your logo, brand colors, and product details within Stripe's hosted environment.
One-Time and Recurring Payments: Supports both single-charge and subscription payment models natively.
Native Stripe Dashboard Analytics: Payment data, conversion tracking, and revenue reporting all live within the Stripe dashboard your team already uses.
Best For
Teams already using Stripe that need a quick, fully compliant payment collection solution without building a custom form. Also a strong option as a complement to a primary form builder, handling the actual payment step while another tool manages the rest of the form flow.
Pricing
No monthly fee. Standard Stripe transaction fees apply. Verify current rates on their site, as pricing varies by region and payment method.
Which PCI Compliant Form Builder Is Right for Your Team?
The right choice here depends more on your team's context than on any single feature comparison. Here's a quick way to think through it.
If you're a high-growth SaaS or marketing team that needs both compliance-ready infrastructure and AI-powered lead qualification in a single, modern platform, Orbit AI is built for exactly that combination. The ability to qualify leads in real time while maintaining compliant form architecture is genuinely rare in this category.
For teams that need the broadest payment gateway support and strong native compliance documentation, Jotform is the most feature-complete option at a mid-market price point. If your organization operates across multiple regulatory standards (PCI, HIPAA, GDPR simultaneously), Formstack is worth the premium for its consolidated compliance coverage.
WordPress teams: Gravity Forms remains the default choice for developer-driven WordPress environments, with the understanding that server-level security is your responsibility.
Budget-conscious teams: Cognito Forms delivers solid PCI-compliant payment collection at a price point that makes sense for smaller organizations.
Enterprise compliance-first buyers: 123FormBuilder's audit trail features and Level 1 certification claims make it worth evaluating alongside Jotform and Formstack.
Maximum simplicity: Stripe Payment Links wins on PCI scope reduction with zero configuration overhead, as long as you don't need a full form experience around the payment step.
The broader point is this: compliance and conversion don't have to be in conflict. The tools on this list prove that you can have secure, compliant payment collection and a form experience that actually converts. The key is choosing a platform where security is built into the foundation, not bolted on as an afterthought.
Transform your lead generation with AI-powered forms that qualify prospects automatically while delivering the modern, conversion-optimized experience your high-growth team needs. Start building free forms today and see how intelligent form design can elevate your conversion strategy.
