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PCI SSC-qualified QSA Company

PCI DSS compliance for FinTech companies

Fintechs that touch card data — issuing, acquiring, wallets, lending with cards, or embedded payments — must meet PCI DSS, and in India it is enforced through your acquiring bank and RBI’s PA-PG and digital-payment security rules. CyberSigma is a PCI SSC-listed QSA Company that helps fintechs get compliant without over-building: we right-size scope, remove card data you do not need to store, close v4.0.1 gaps, and run the QSA assessment to a clean RoC/AoC — the evidence your bank, partners and enterprise customers ask for.

Get a free fintech readiness snapshot →Book a 20-minute QSA call
Who needs it

Which fintechs need PCI DSS

Card & wallet products
Issuing, acquiring, prepaid and wallet flows that process card data.
Embedded payments
Platforms embedding card acceptance for their merchants or users.
Lenders & neobanks
Card-linked lending and neobank stacks partnered with regulated entities.
Level

Finding your level (and why it is often wrong)

Level is set by annual card transaction volume, but fintechs underestimate it because they count only their own transactions and forget the aggregated volume their acquirer sees. Acquirers frequently push platforms to Level 1 regardless.

Scope & regulation

Scope and rules

Your CDE is every system touching card data. Tokenisation (RBI Card-on-File) and segmentation shrink it. PCI DSS v4.0.1 applies, under RBI PA-PG and the Master Direction on Digital Payment Security Controls.

Timeline & cost

Timeline and cost

Timeline
Level 2: weeks to a couple of months. Level 1 first-time: three to six months end to end.
Cost
Level 2 ≈ 4–10 lakh assessment plus remediation; Level 1 higher, driven by CDE size.
Deliverables

What you receive

Right-sized scope
A defensible CDE definition that keeps cost and audit effort down.
RoC / AoC
The signed forms your acquirer and enterprise customers require.
Common failures

Where fintechs trip up

  • Storing PANs tokenisation should have removed
  • MFA not enforced into the CDE (v4.0.1)
  • No quarterly ASV scans
  • Under-counting level by ignoring acquirer-visible volume
Proof

See how we’ve done it before

Relevant case study
How a fintech reduced scope and reached a clean AoC without over-building. Read case studies →
Redacted sample deliverable
Inspect a redacted gap report first. Request a redacted sample →

Not sure how close you are to a clean ROC?

Get a free PCI DSS v4.0.1 readiness snapshot from a listed QSA — share your work email and we map your gaps and scope before the assessment.

PCI DSS for fintechs — FAQs

Do all fintechs need PCI DSS?

Any fintech that stores, processes or transmits cardholder data does. If tokenisation fully removes card data from your environment, scope can shrink dramatically — we help you get there.

What level are we?

It depends on annual card transaction volume, but acquirers often require Level 1 for platforms and aggregators regardless of your own count. We confirm during scoping.

Does CyberSigma issue a PCI certificate?

No QSA issues a “PCI certificate.” The recognised evidence is the official PCI SSC AoC/RoC, which we produce as your QSA.

Talk to a listed QSA about your fintech stack

We map your card-data flows, right-size scope and give you the fastest path to a clean RoC/AoC. Reply within four business hours.

Book a 20-minute QSA call →

Ready to discuss your PCI DSS for FinTech companies requirement?

CERT-In empanelled · PCI QSA authorised — a senior consultant responds within 4 business hours. Free, no obligation.