PCI DSS · FinTech

PCI DSS for FinTech

FinTechs that touch cards live inside PCI DSS scope, often alongside SOC 2 and bank-partner requirements. We scope the CDE and build controls that satisfy all three.

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Why FinTech companies need PCI DSS

  • PCI DSS v4.0 applies to any FinTech that stores, processes, or transmits cardholder data.
  • FinTech architectures — ledgers, processors, wallets — can pull large parts of the system into the cardholder data environment (CDE).
  • PCI often runs alongside SOC 2 and bank-partner due diligence; the controls overlap.
  • Tokenization and segmentation are the main levers to keep PCI scope and cost under control.

More context on this sector on our FinTech industry page, and on the framework itself on our PCI DSS hub.

What our PCI DSS engagement covers

Tailored to FinTech, delivered by a Toronto security and compliance team led by a published CVE researcher, with our partner Lorikeet Security where offensive testing is involved.

  • CDE definition across payment, ledger, and processor integrations
  • Segmentation strategy to minimize in-scope systems
  • PCI DSS v4.0 scoping and cardholder data environment (CDE) definition
  • Gap assessment against the 12 requirements and the applicable SAQ selection
  • Network segmentation, encryption, and access-control implementation
  • Evidence collection and QSA / ASV coordination where required

See the full PCI DSS service page, or productized pricing for fixed-scope engagements.

Related pages

PCI DSS for FinTech: common questions

Do we need PCI DSS and SOC 2?

If you handle cards and sell to enterprises, usually both. PCI is specific to cardholder data; SOC 2 covers your broader control environment. We scope them together.

How do we reduce PCI scope?

Primarily through tokenization, outsourcing card handling to compliant processors, and network segmentation. We design the architecture to keep the CDE small.

Does using a payment processor make us PCI compliant?

It reduces your scope but does not eliminate your obligations. You still need the appropriate SAQ and controls. We clarify exactly what remains yours.

PCI DSS for FinTech, on your timeline

Book a free 30-minute discovery call. We will tell you whether this engagement fits, what it would cost, and when we could start.

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