PCI-DSS Compliance — Secure Card Data for E-commerce & Fintech
PCI-DSS is the security standard you must meet if your business stores, processes or transmits payment-card data. We scope which systems are in play, run a gap assessment against the standard, fix the gaps, and help you complete the right SAQ or support a QSA assessment. The result is a smaller, defensible cardholder-data environment and a clear path to staying compliant, so you can take card payments safely.
Why choose EPIXS for pci-dss compliance
PCI-DSS compliance for e-commerce and fintech, scoping, gap assessment, remediation and SAQ support to secure payment-card data. Free quote.
- Scope your true cardholder-data environment, often smaller than feared
- Gap assessment against the current PCI-DSS requirements
- Practical, prioritised remediation, not a generic checklist
- Right SAQ identified so you don't over- or under-do it
- Reduce scope with tokenisation and hosted payment flows
- Support through QSA assessment where one is required
How PCI-DSS compliance works in practice
PCI-DSS applies to anyone who touches card data, e-commerce stores, fintech apps, SaaS platforms and the systems around them. The single most valuable thing we do first is scoping: working out exactly which systems store, process or transmit card data, because everything in that 'cardholder-data environment' is in scope and everything you can keep out of it isn't. Often the smartest move is to shrink scope, using tokenisation, a hosted payment page or a redirect to your payment gateway so raw card data never touches your servers in the first place. A smaller scope means less to secure, less to prove and lower ongoing cost.
With scope set, we run a gap assessment against the standard, network segmentation, encryption, access control, logging, patching, secure development and the rest, and give you a prioritised remediation plan to close what's missing. We then help you complete the correct Self-Assessment Questionnaire for your merchant level and setup, or support you through a formal QSA assessment if your volume requires one. Compliance isn't a one-time event, so we also set you up to maintain it: the controls, the evidence and the cadence to stay compliant rather than scrambling each year.
- Scoping to define and shrink your cardholder-data environment
- Gap assessment across encryption, access, logging and patching
- Remediation plan prioritised by risk and effort
- Right SAQ selected, or QSA assessment supported
- 1Step 1Scope
Scope the environment
We map every system that stores, processes or transmits card data and define what's truly in scope.
- 2Step 2Shrink
Reduce scope
Where possible we use tokenisation or hosted payment flows so raw card data never hits your servers.
- 3Step 3Assess
Gap assessment
We test current controls against PCI-DSS and list exactly where you fall short and why.
- 4Step 4Fix
Remediate
We fix the gaps in priority order, encryption, access, logging, segmentation and secure config.
- 5Step 5Sustain
Validate & maintain
We complete the right SAQ or support a QSA, then set up the controls and evidence to stay compliant.
| Feature | Store card data yourself | Hosted gateway + tokenisation |
|---|---|---|
| Systems in PCI scope | Many | Few |
| Length of your SAQ | Long | Short |
| Encryption & key management burden | Yours | Mostly the gateway's |
| Cost to secure and audit | Higher | Lower |
| Breach exposure of raw card data | High | Minimal |
| Ongoing maintenance effort | Heavy | Lighter |
Storing card data yourself versus a hosted, tokenised setup.
PCI-DSS Compliance — FAQs
Does PCI-DSS apply if I use a payment gateway like Razorpay or Stripe?
Yes, but it can dramatically reduce your burden. Using a hosted payment page or tokenisation so raw card data never touches your servers takes most systems out of scope, leaving you a much shorter SAQ. We design exactly that kind of setup.
What is an SAQ and which one do I need?
A Self-Assessment Questionnaire is how most merchants validate compliance. Which one applies depends on how you accept payments and your transaction volume. We identify the correct SAQ for your setup so you don't over- or under-scope it.
Do I need a QSA audit?
Only higher-volume merchants and certain setups require a formal Qualified Security Assessor audit; many businesses can self-assess. We tell you which path applies to you and support you through it either way.
How long does getting compliant take?
It depends on your current state and scope. A well-architected store using a hosted gateway can be close already; a complex environment storing card data needs more remediation. After scoping we give you a realistic timeline and quote.
Is PCI-DSS a one-time thing?
No, it's ongoing. Controls, logging, patching and validation must be maintained, and SAQs are typically renewed. We set you up to sustain compliance with the right cadence and evidence, not just pass once and drift out.
Ready to get started with pci-dss compliance?
Tell us your goals and get a free, no-obligation proposal — usually within one business day.