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Managed Compliance

PCI DSS
Compliance
Built for
Fintech.

Full PCI DSS v4.0 readiness — from gap assessment to QSA audit support. We handle the complexity so your payments infrastructure stays secure and certifiable, in the EU and US.

Coverage:
🇪🇺🇺🇸🇬🇧
EU · US · UK
PCI DSS Explained

Compliance isn't optional when you touch card data.

The Payment Card Industry Data Security Standard (PCI DSS) is a mandatory security framework required by all major card networks — Visa, Mastercard, Amex, Discover — for any business that stores, processes, or transmits cardholder data.

Version 4.0 introduced stricter requirements around authentication, encryption, and continuous monitoring. Non-compliance exposes you to fines up to $100,000/month, loss of payment processing rights, and reputational damage you can't undo.

Q-Sec makes PCI DSS achievable — not just a checkbox, but a real security baseline that protects your customers and your license to operate.

1
Level 1 MerchantsOver 6M card transactions/year
ROC Required
2
Level 2 Merchants1M – 6M transactions/year
SAQ or ROC
3
Level 3 Merchants20,000 – 1M e-commerce/year
SAQ
4
Level 4 MerchantsUnder 20,000 e-commerce/year
SAQ + ASV Scan
Not sure which level applies to your business? Our engineers will scope it for you in one call.
Full Coverage

All 12 PCI DSS requirements. Handled.

We map your environment against every control domain in PCI DSS v4.0, identify gaps, and build a remediation roadmap — then stay with you through the audit.

REQ 01
Network Security Controls
Firewall rules, network segmentation, and perimeter defence configuration.
REQ 02
Secure Configurations
Hardened system and software defaults — no vendor passwords, no unnecessary services.
REQ 03
Protect Stored Data
Encryption, tokenization, and key management for cardholder data at rest.
REQ 04
Encrypt Transmission
TLS 1.2+ enforcement across all cardholder data in transit over open networks.
REQ 05
Malware Protection
Anti-malware, endpoint detection, and runtime threat monitoring across CHD systems.
REQ 06
Secure Development
Secure SDLC, vulnerability management, and patch governance for in-scope apps.
REQ 07
Access Restriction
Need-to-know access controls with documented approval workflows.
REQ 08
Identity & Authentication
MFA enforcement, account lifecycle management, and password policy controls.
REQ 09
Physical Access
Physical controls for data centres, POS terminals, and card-present environments.
REQ 10
Activity Logging
Centralised log management, audit trails, and tamper-proof retention.
REQ 11
Security Testing
Penetration testing, ASV scanning, and IDS/IPS coverage on CDE perimeter.
REQ 12
Policies & Governance
Information security policy, third-party risk, and incident response documentation.
Our Services

Everything you need. Nothing you don't.

Q-Sec delivers a complete PCI DSS programme — from initial scoping through annual recertification. No consultant treadmill, no surprise fees.

Gap Assessment & Scoping

We map your Cardholder Data Environment (CDE), identify every in-scope system, and produce a prioritised gap report against PCI DSS v4.0 requirements.

Remediation & Hardening

Our engineers implement controls directly — firewall rules, encryption configuration, access policy, log management — with full documentation for auditors.

Continuous Compliance Monitoring

24/7 SIEM coverage of your CDE. We alert on policy violations, configuration drift, and access anomalies — before your auditor does.

QSA Audit Support

We prepare and manage your evidence pack, liaise directly with your Qualified Security Assessor, and handle findings triage throughout the ROC or SAQ process.

Penetration Testing & ASV Scanning

Internal and external penetration tests plus quarterly ASV vulnerability scanning — all in-house, faster to schedule, no third-party coordination delays.

Policy & Documentation Pack

Prebuilt, PCI DSS v4.0-aligned policies, procedures, and incident response templates. Ready to customise, ready to submit — not written from scratch.

Our Process

From assessment to certificate — in weeks, not quarters.

We've engineered out the delays. Our onboarding takes ten business days. Certification timelines depend on your starting point — we'll tell you exactly where you stand on day one.

01

Scoping Call

We map your CDE and define the audit scope. One call, clear output.

02

Gap Assessment

Engineers review your environment against all 12 requirement domains.

03

Remediation

We implement controls, fix gaps, and document everything for auditors.

04

Audit Support

Evidence preparation, QSA liaison, and real-time findings response.

05

Ongoing Compliance

Continuous monitoring and annual recertification — we stay with you.

Fintech clients represented
MILOAN
FINX
✦ FLYPAY
finme
Cashpoint
Pango
🐱 Tengo
LOMBARD BLAGO
COLOBRIDGE
+ More clients

Client logos shown for illustrative reference. Specific services vary by engagement.

95%
Audit readiness
within one quarter
60%
Reduction in incident
response time
70%
Fewer false positives
after onboarding
10
Business days
to operational
Market Coverage

Same standard. Different regulatory landscape.

PCI DSS applies globally, but enforcement, overlapping regulations, and audit expectations differ significantly between the EU and US. We understand both.

🇪🇺

European Union

DORA · NIS2 · GDPR alignment included

European fintechs face compounding requirements — PCI DSS alongside DORA's digital operational resilience mandates and NIS2 cybersecurity obligations. Our compliance stack addresses all three in a single programme, reducing duplicated effort and documentation overhead.

  • PCI DSS v4.0 mapped to DORA Article 5–6 controls
  • NIS2 incident notification procedures integrated
  • All cardholder data remains within EU jurisdiction
  • ENISA guidance and national NCA requirements covered
  • Polish KSC Act compatibility for Warsaw-based entities
🇺🇸

United States

SOC 2 · CCPA · State regulations aligned

US payment companies navigate PCI DSS alongside SOC 2 audit requirements, CCPA data privacy obligations, and state-level regulations like NYDFS Part 500. Q-Sec maps controls across frameworks so you don't certify the same environment twice.

  • PCI DSS controls mapped to SOC 2 Trust Service Criteria
  • NYDFS Part 500 MFA and encryption requirements covered
  • Card network rules (Visa, Mastercard, Amex) addressed
  • CCPA / CPRA data handling procedures included
  • Remote QSA engagement supported for US-based audits
Why Q-Sec

We work like engineers, not consultants.

Most PCI DSS consultants tell you what's wrong. We fix it. Our engineers sit inside your environment — not on the other end of a 90-day engagement letter.

Flat

Transparent, Fixed Pricing

Compliance support is a flat fee. 50 endpoints or 5,000 — the cost doesn't change. No retainer creep, no per-alert billing, no surprise invoices.

10d

Fast Onboarding

Setup takes about ten business days. Then we start monitoring. While others spend six months on deployment, you're already protected.

24/7

Real SOC — No Bots

When you call, you reach our SOC in Warsaw — not a chatbot or an outsourced queue. Human analysts, verified escalations, minutes not hours.

EU

European Accountability

Headquartered in Rotterdam. Your data stays in the EU. We follow the same regulations you do — GDPR, DORA, NIS2 — because we're subject to them too.

Zero

We Don't Sell Fear

Incidents happen. The problem is not knowing about them. We make sure you do — fast, with context. No FUD. No vendor lock-in language.

One

Single Platform

SOC, MDR, Managed SIEM, and compliance consulting in one place. No stitching together vendors. No compliance tool that doesn't talk to your SOC.

Ready to start?

PCI DSS doesn't have to be
a six-month ordeal.

Get a scoping call with a Q-Sec engineer. We'll tell you exactly where you stand, which SAQ or ROC applies, and what needs to happen — before you commit to anything.

No commitment required
Response within one business day
EU & US coverage
Flat-fee pricing