Any business that stores, processes or transmits payment-card data must meet PCI DSS — the Payment Card Industry Data Security Standard (now v4.0). Invitty helps Indian merchants, fintechs, payment aggregators and BFSI providers scope, remediate and achieve PCI DSS compliance, then stay compliant year-round.
PCI DSS at a Glance
- 12 requirements across six control objectives — from network security and encryption to access control, monitoring and policy.
- SAQ vs ROC — a Self-Assessment Questionnaire for smaller volumes, or a Report on Compliance with a QSA for larger merchants/service providers.
- PCI DSS v4.0 — the current standard, with new requirements around authentication, scripts and continuous security.
Our PCI DSS Service
- Scoping & segmentation — reduce your cardholder data environment (CDE) to cut cost and risk.
- Gap assessment against all 12 requirements and v4.0 changes.
- Remediation — firewalls, encryption, MFA, logging, file-integrity monitoring and secure configuration.
- ASV scans & penetration testing — the external scans and VAPT the standard requires.
- SAQ / ROC support — we prepare your evidence and coordinate with a QSA where needed.
- Continuous compliance — keep controls and evidence current for annual validation.
For Fintech, E-commerce & BFSI in India
We combine security engineering with audit-ready documentation so PCI DSS is achievable and affordable — often by shrinking scope first. Run PCI DSS alongside ISO 27001 and SOC 2, or inside a single GRC programme, to reuse controls and evidence.
Encryption, key management & strong authentication
Reduce the scope before you reduce the effort
The largest cost lever in a PCI programme is not how efficiently you meet the requirements but how few systems they apply to. Scope is everything that stores, processes or transmits cardholder data, plus anything connected to it — and that second clause is what quietly pulls a flat corporate network entirely into assessment.
- Avoid holding the card number. Tokenisation replaces the account number with a reference that is worthless if stolen. Requirements that only apply to stored card data stop applying when there is none.
- Keep the payment page off your servers. For e-commerce, a hosted payment page or an iframe served by the provider means the card number never reaches your infrastructure, which moves you to a substantially shorter self-assessment.
- Segment. Without segmentation the whole network is in scope. With it, assessment is confined to a defined zone, and the segmentation itself then has to be tested.
- Do not record what you must not keep. Full magnetic-stripe data, the security code and the PIN may never be stored after authorisation. These turn up in debug logs and call recordings more often than in databases.
Scope reduction is design work, so it is worth doing before the assessment rather than being discovered during it.
What the assessment asks you to produce
PCI is evidenced rather than asserted, and the validation route depends on how you handle card data and how much volume you process — a self-assessment questionnaire for many merchants, a formal report on compliance involving a qualified assessor at higher volumes. Your acquirer confirms which applies to you; that is worth establishing early, because it determines the effort.
Whichever route applies, the recurring obligations are what organisations tend to be unprepared for. External-facing systems in scope need vulnerability scans by an approved scanning vendor every quarter, with passing results — a failed scan left unremediated does not satisfy the requirement. Penetration testing is required annually and after significant change, and segmentation controls have to be tested to show the boundary actually holds.
Day-to-day, the evidence has to exist continuously rather than be assembled in the weeks before an assessment: log retention with review, change management records, quarterly access reviews, documented key management, and evidence that the people in scope were trained. Where this programme runs alongside other frameworks, our GRC work collects the overlapping evidence once, and the annual test pairs with our penetration testing.