PCI Compliance Services
Bacancy's PCI compliance services enable organizations to achieve and maintain adherence to PCI DSS requirements across their payment environments. From scope definition and gap assessment to remediation and audit preparation, our team provides the guidance, documentation, and support needed to meet PCI DSS v4.0.1 requirements.
300+ Businesses Secured
450+ Audits Supported
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When Your Business Needs PCI Compliance Services
PCI compliance services help your businesses meet PCI DSS rules for securely handling cardholder data. Any organization that processes, stores, or transmits payment card data must comply with PCI DSS to avoid security risks, fines, and payment disruptions.
Bacancy helps organizations manage PCI compliance from scope definition and gap identification to audit preparation and long-term compliance support.
PCI DSS v4.0.1 replaced version 3.2.1. If your last PCI assessment was based on the previous version, it may be time to review your compliance status. Key updates in the new standard include:
Running on an Older PCI DSS Version? Check Your Compliance Status.
- 51 new requirements are now mandatory
- Client-side script monitoring is required
- Multi-factor authentication expanded across CDE access
- Stronger oversight of third-party service providers
- Customized compliance approaches are now supported
Our PCI DSS Compliance Services
As a trusted PCI compliance company, our CISSP and security-certified engineers design and deliver engagements that work for real payment environments.
The services we offer include gap analysis, risk management, policy creation, network segmentation, remediation, and ROC readiness support. Based on our experience, we can recognize, verify, and solve the compliance gaps that actually affect you.
PCI Gap Assessment
Through PCI compliance consulting, we analyze your current environment based on the requirements of PCI DSS v4.0.1, determine your compliance gaps, and develop an effective plan to solve them.
PCI Risk Management
We assess cardholder data risks across your payment environment, score them by business impact and likelihood, and help you implement controls that reduce exposure before your audit window opens.
PCI Staff Augmentation
We embed certified PCI professionals directly into your team to fill knowledge gaps, support internal security programs, and help you maintain compliance without building a full-time team from scratch.
PCI DSS Policy & Documentation Development
We draft and review security policies, procedures, and compliance documentation to help ensure your records are complete, consistent, and ready for assessor review.
Network Segmentation & Scope Reduction
We assess your network architecture, identify segmentation gaps, and help reduce your cardholder data environment scope to lower audit complexity, cost, and overall compliance burden.
PCI Remediation Services
Working with your team of engineers and infrastructure experts, we help implement control mechanisms, address gaps identified, and conduct testing on affected systems until compliance is achieved with PCI DSS requirements.
Report on Compliance (ROC) Preparation
We prepare all documentation, evidence packages, and control narratives needed to support your Qualified Security Assessor during the formal ROC process and attestation review.
Deliverables Included in Our PCI Compliance Services
PCI Scope Report with CDE Inventory
We define PCI scope, identify cardholder data assets, and document the full Cardholder Data Environment inventory for assessments.
Cardholder Data Risk Assessment Report
With proper risk assessments, we help you identify risks to your cardholder data and suggest ways to enhance the security of such data.
Gap Analysis & Remediation Roadmap
Our experts analyze any kind of compliance gaps and prepare a remediation path for your company to fulfill PCI DSS criteria.
Pen Testing & Vulnerability Assessment Reports
Our experts offer penetration testing services and vulnerability assessments, record their findings, and provide recommendations to address security issues.
Completed SAQ / Pre-Audit ROC Documentation
We assist with SAQ completion and pre-audit ROC preparation to support the PCI compliance review process and auditor evidence requirements.
Attestation of Compliance (AOC) Preparation
We help you prepare the required documents and evidence needed for the Attestation of Compliance submission and review.
Our PCI DSS Compliance Process
Have a look at our process for achieving PCI DSS compliance, from identifying your cardholder data environment and assessing gaps to implementing controls, preparing for an audit, and maintaining compliance over time.
Scoping and CDE Discovery
First, we define your cardholder data environment scope, identifying systems, networks, applications, and connections handling payment card data.
Gap Assessment
Next, we help you assess any existing controls against PCI DSS v4.0.1 requirements and deliver a thorough, detailed report highlighting compliance gaps.
Remediation Planning
Then, we create a remediation roadmap assigning ownership, effort estimates, and deadlines for addressing identified compliance gaps.
Controls Implementation
Our engineers implement required security controls, configure supporting technologies, and address compliance gaps across environments.
SAQ & ROC Audit Preparation
Following remediation, we prepare the required documentation, organize supporting evidence, and conduct reviews before formal assessment begins.
Monitoring & Maintenance
Finally, we provide continuous monitoring, vulnerability scanning, and assessment support to maintain PCI DSS compliance over time.
Our PCI DSS Compliance Success Stories
PCI DSS Remediation for a US eCommerce Payment Platform
Industry: eCommerce
Core Technology: AWS EC2 | RDS | Stripe Connect | React | REST APIs | PCI DSS v4.0.1 | CVSS v3.1 | SAQ D
A US based e-commerce website with over 50,000 card transactions monthly failed its first gap analysis assessment due to 23 issues linked to network segmentation, logging, and access control. We undertook a complete gap analysis process, formulated an action plan, and advised the customer's engineering staff through the process to make each of the required changes. As a result, the customer completed its SAQ D assessment and extended its processor agreement with no downtime.
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Post-Breach PCI Compliance Recovery for a Fintech Lending Platform
Industry: Fintech
Core Technology: Azure | Kubernetes | Java Spring Boot | PostgreSQL | Payment APIs | PCI DSS v4.0.1 | FCA Controls
A UK-based lending platform experienced a suspected card data exposure and needed to complete a PCI DSS assessment before reporting to its acquiring bank. We scoped the incident, assessed all payment systems and APIs, identified three misconfigured access roles and one unsegmented network zone touching the CDE, and completed a full remediation cycle. As a result, the client submitted their breach notification package with a completed remediation report and maintained their card processing authorization.
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PCI DSS Audit Preparation for a SaaS Payments Infrastructure Company
Industry: SaaS
Core Technology: AWS Multi-Region | Node.js | GraphQL APIs | MongoDB Atlas | Auth0 | CIS Benchmarks | PCI DSS v4.0.1 | SOC 2
A B2B SaaS provider developing payment orchestration software for enterprise customers had to be compliant with PCI DSS in order to enter into agreements with two major card processors. During our assessment, we identified 9 vulnerabilities related to AWS infrastructure, authorization, and API security, as well as tokenization. The client finished their ROC cycle and successfully entered into both agreements within one quarter.
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Industries We Help Achieve PCI Compliance
At Bacancy, we provide PCI compliance solutions designed to secure payment environments across industries that store, process, or transmit cardholder data at any volume.
Online retailers process card payments at high volume across web, mobile, and marketplace channels. Our assessments identify scope creep, segmentation gaps, and logging failures that put card data at risk.
- CDE scoping and cardholder data flow mapping
- Web application and checkout flow security testing
- Third-party payment plugin and integration review
- Network segmentation and scope reduction planning
- SAQ A, SAQ A-EP, and SAQ D preparation
- Compliance gap analysis covering PCI DSS v4.0.1 requirements
Payment processors and fintech platforms operate under the strictest PCI DSS requirements with direct card brand oversight. Our assessments are built for complex, multi-tenant payment architectures.
- Service provider PCI DSS compliance assessment
- API security testing for payment and tokenization flows
- Multi-tenant cardholder data isolation review
- Penetration testing across the Level 1 payment infrastructure
- ROC preparation and QSA coordination support
- Compliance gap analysis covering PCI DSS v4.0.1 Level 1 requirements
Banks and financial institutions operate under overlapping compliance mandates, including PCI DSS, SOX, and GLBA. Our assessments align PCI controls with your existing compliance program.
- Cardholder data environment scoping and documentation
- Core banking system and payment gateway security review
- Access control and privileged account audits
- Network segmentation and firewall rule review
- Internal audit evidence preparation and documentation
- Compliance gap analysis covering PCI DSS v4.0.1 and FFIEC guidance
Healthcare organizations that accept card payments for patient billing must comply with PCI DSS alongside HIPAA. Our assessments cover both mandates without duplicating effort.
- CDE scoping for patient billing and payment kiosk environments
- Web portal and mobile app security testing
- Network segmentation between clinical and payment systems
- Third-party billing platform risk assessment
- SAQ B-IP and SAQ D preparation for healthcare billing
- Compliance gap analysis covering PCI DSS v4.0.1 and HIPAA Security Rule
Hotels, airlines, and travel platforms handle card data across property management systems, booking engines, and mobile apps. Our assessments address the distributed, guest-facing payment surfaces unique to this sector.
- PMS and booking engine cardholder data flow mapping
- Point-of-sale and kiosk security assessment
- Wi-Fi and guest network segmentation review
- Third-party OTA and booking integration risk assessment
- SAQ C and SAQ D preparation for property environments
- Compliance gap analysis covering PCI DSS v4.0.1 requirements
SaaS companies that handle payment data on behalf of customers face service provider-level PCI DSS obligations. Our assessments help you meet those obligations without derailing your release cycle.
- Tenant isolation and cardholder data boundary assessment
- API authorization and tokenization flow security review
- Cloud infrastructure and IAM permission review
- CI/CD pipeline and IaC security assessment
- ROC preparation and shared responsibility documentation
- Compliance gap analysis covering PCI DSS v4.0.1 service provider requirements
Telecom providers bill subscribers across high-volume recurring payment systems and retail channels. Our assessments cover both the payment environment and the broader telecom security surface.
- Subscriber billing platform and CDE scoping
- Retail and call center card payment environment review
- Network segmentation between billing and core telecom systems
- Privileged access and agent workstation security assessment
- SAQ D and ROC preparation for enterprise billing environments
- Compliance gap analysis covering PCI DSS v4.0.1 and CPNI requirements
Tools We Use to Ensure PCI DSS Compliance
We use approved vulnerability scanners, penetration testing platforms, cloud security tools, compliance automation systems, and identity management solutions to assess and maintain PCI DSS compliance across modern payment environments.
| Vulnerability Scanning & ASV Tools | Qualys VMDRTenable Nessus / Tenable.ioRapid7 InsightVMOpenVAS / Greenbone |
| Penetration Testing Tools | Burp Suite ProfessionalMetasploit FrameworkNmapOWASP ZAPKali Linux ToolkitCobalt Strike |
| Cloud Security & Posture Management (CSPM) | WizPrisma Cloud (Palo Alto)AWS Security Hub + AWS ConfigMicrosoft Defender for CloudGoogle Security Command Center |
| Compliance-as-Code & Infrastructure Scanning | CheckovtfsecTrivyOpen Policy Agent (OPA)HashiCorp SentinelSnyk IaC |
| SIEM, Logging & Monitoring | Splunk Enterprise SecurityElastic SIEM (ELK Stack)Datadog Cloud SIEMAWS CloudTrail + CloudWatchWazuh |
| Secrets Management & Key Vaulting | HashiCorp VaultAWS KMS + Secrets ManagerAzure Key VaultCyberArkGCP Cloud KMS |
| Identity, Access & MFA | OktaMicrosoft Entra ID (Azure AD)Duo SecurityJumpCloudAWS IAM Identity Center |
| Continuous Compliance & Evidence Automation | DrataVantaSecureframeTugboat LogicOneTrust GRC |
PCI DSS Compliance Engagement Models
| One-Time PCI Gap Assessment | Remediation Project | Audit Prep and ROC Support | Ongoing Compliance Retainer | |
|---|---|---|---|---|
| Best For | First-time compliance or pre-audit check | Fixing identified gaps before your audit | Level 1 merchants preparing for QSA review | Year-round compliance maintenance |
| What We Deliver | Gap report, CDE inventory, remediation roadmap | Closed control gaps, retested systems, updated docs | Evidence package, SAQ or ROC docs, AOC prep | Quarterly scans, annual reassessment, advisory support |
| Timeline | 2 to 4 weeks | 4 to 12 weeks | 6 to 10 weeks | 12-month retainer |
| Pricing | Fixed price | Project-based | Fixed price | Monthly retainer |
| Outcome | Know your gaps | Fix your gaps | Pass your audit | Stay compliant |
Why Choose Bacancy for PCI DSS Compliance Services
As a reliable cybersecurity service provider, our engagements are built for real payment environments with cloud workloads, production APIs, release deadlines, audit pressure, and constantly changing infrastructure. We work directly with your teams to validate controls, reduce scope, and close gaps that actually matter to your compliance program.
We interpret PCI DSS requirements against your actual architecture, not generic checklists, so remediation targets real risk. Our team works alongside your security, DevOps, and compliance stakeholders without disrupting release cycles.
What Our PCI DSS Compliance Engagements Actually Deliver
- 14+ years of compliance engagement experience across fintech, healthcare, SaaS, and enterprise payment environments.
- Manual validation of findings to reduce false positives and focus remediation on real compliance gaps.
- Assessment coverage across CDE scoping, network segmentation, APIs, authentication, and cloud infrastructure.
- Findings mapped against PCI DSS v4.0.1, HIPAA, SOC 2, ISO 27001, and internal audit requirements.
- Unified PCI DSS, HIPAA, SOC 2, and ISO 27001 assessments to reduce compliance effort.
- Certified engineers involved through remediation, evidence collection, and re-testing phases.
- Internet-facing and high-risk controls prioritized based on card brand requirements and actual business exposure.
- Assessments aligned with audit timelines, processor deadlines, and enterprise contract requirements.
- Dedicated compliance architects assigned throughout your engagement.
What Our Clients Say About Our PCI Compliance Services
Clients who used our PCI DSS compliance services tell us how it helped them pass audits with confidence and get clear direction on what to fix before their assessor arrived. Here is what they shared after working with Bacancy.
Marcus Reid
Head of Infrastructure
"Bacancy helped us understand what our actual CDE scope was, which turned out to be smaller than we thought. Their team gave our engineers a clear remediation list and stayed involved until every item was closed."
Sarah Nguyen
Chief Technology Officer
"We brought Bacancy in three months before our processor audit. They identified a segmentation gap we had missed internally and helped us fix it well before the QSA visit. The whole process felt very organized."
James Patel
VP of Engineering
"During our migration to a multi-region AWS setup, Bacancy's team helped us document our cardholder data flows and get our evidence package ready for SOC 2 and PCI in the same cycle. It saved us a lot of time."
Frequently Asked Questions
Still have questions? Let's talkAt Bacancy, we help you identify everything PCI DSS covers, including primary account numbers (PAN), cardholder names, expiration dates, service codes, and sensitive authentication data like full track data, CVV/CVC codes, and PINs.
Any system that stores, processes, or transmits this data is in scope. The PAN is the key element. If your system touches it in any form, PCI DSS requirements apply to you.
At Bacancy, our pricing depends on the size of your cardholder data environment, your compliance level (SAQ vs ROC), the number of systems in scope, and how many gaps need to be fixed.
A gap assessment for a small environment starts at $3,500. Larger ROC projects are priced based on your specific setup. We give you a full quote after a quick scoping call, which is completely free.
It applies to all companies involved with accepting, processing, storing, or transmitting credit/debit cards, regardless of company size and number of transactions.
At Bacancy, our team assists you as a merchant, payment processor, service provider, and SaaS platform to ensure cardholder information processing is secure for third parties. The compliance level SAQ A – D or ROC depends on the number of your transactions.
- A Self-Assessment Questionnaire (SAQ) is basically a compliance checklist that smaller merchants and service providers fill out on their own.
- A Report on Compliance (ROC) is a formal assessment carried out by a Qualified Security Assessor (QSA). This is required for Level 1 merchants and certain service providers.
- An Attestation of Compliance (AOC) is the signed document that confirms the result of either process and is submitted to your acquiring bank or card brand.
At Bacancy, we help you figure out which one applies to your business and take care of the entire process with you.
PCI DSS v4.0.1 became the only active version on March 31, 2025. It introduced 51 new requirements, including:
- Mandatory multi-factor authentication for all CDE access
- Client-side script monitoring for payment pages
- Tighter third-party oversight controls
If your last assessment was completed under v3.2.1, your compliance documentation is no longer valid. Every business that processes card payments is affected by these changes.
Not sure where your business stands? Contact us at Bacancy, and we will help you transition from v3.2.1 to v4.0.1 without confusion.
Non-compliance exposes your business to monthly fines ranging from $5,000 to $100,000, increased transaction fees, and mandatory forensic audits after any incident. You could also lose the ability to process card payments entirely.
At Bacancy, we have seen how a breach can leave non-compliant businesses fully liable for fraud losses and remediation costs, on top of damaged relationships with banks, processors, and enterprise customers.
It depends on the size of your environment and the gaps identified.
- A small merchant completing an SAQ A can become compliant in 4 to 6 weeks.
- A mid-size business doing an SAQ D typically takes 8 to 16 weeks.
At Bacancy, we manage enterprise-level ROC engagements covering complex, multi-environment CDEs that can take three to six months.
Yes. PCI DSS Requirement 11.2.1 mandates quarterly external vulnerability scans conducted by an Approved Scanning Vendor (ASV). These are separate from penetration tests and are required for most merchants and all service providers, regardless of SAQ type.
At Bacancy, we provide managed ASV scanning as part of our ongoing compliance retainer or as a standalone service. This includes unlimited rescans until a passing result is achieved, secure access to scan reports, and direct filing support with your acquiring bank.
Compliance levels are based on your annual card transaction volume.
- Level 1 applies to merchants processing over six million Visa or Mastercard transactions per year and requires a formal ROC.
- Level 2 covers one million to six million transactions.
- Level 3 applies to 20,000 to one million eCommerce transactions.
- Level 4 covers all remaining merchants.
At Bacancy, we also help service providers who follow a separate two-level structure based on transactions processed on behalf of others.
Top-Tier IT Geniuses
Bacancy Technology is an exclusive hub of top dedicated software developers, UI/UX designers, QA experts, and product managers with incredibly rare and hidden talents you will ever come across. We let you access the exceptional IT talent globally, from independent software developers to fully managed teams.
Time Zone Aligned
Timezone is never a constraint when you are working with Bacancy Technology. We follow a simple procedure- our developers and your time zone. Hire dedicated software developers from us and collaborate from far away to work according to your time zone, deadline, and milestone.
Experienced Team
Whether you are looking for skilled developers in emerging technologies or looking for an extended arm to augment your existing team, we can lend a helping hand in both situations. We are a full-stack software development company with 1050+ skilled and experienced software developers whom you can hire at your convenience to address ongoing business challenges.