See websiteverification.wordpress.com/2009/04/28/pci-dss-fines The courts or the federal governments with the exception of Nevada have nothing to do with PCI.
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For PCI Info see: https:// There is no 'law', but if you don't become compliant, and are caught, then your merchant bank will be fined by the PCI, that fine will probably roll down hill and hit you.
Then you will be either forced to pay the fine or lose your ability to process credit cards by your merchant bank.
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All that being said companies like Pay Pal have a PHP SDK: https://cms.paypal.com/us/cgi-bin/?