PCI DSS Compliance for Fintech — Certified in 90 Days
Payment gateways, digital wallets, lending platforms, and embedded finance providers across Asia-Pacific trust EIC's fast-track compliance programme. 200+ organisations secured. Zero breaches since 2016. Official PCI QSA with CREST accreditation.
Fintech at a Glance
Why Compliance Hits Fintech Differently
Fintech companies face compliance pressure from every direction — investors, banking partners, card networks, and regulators — often with lean teams and tight launch deadlines.
Banking Partner Requirements
Acquiring banks and payment network partners increasingly require PCI DSS certification — and often ISO 27001 — before onboarding fintech partners. Without certification, your go-to-market timeline stalls. This is not optional: no compliance means no partnership.
Speed-to-Market Pressure
Investors expect product launches in weeks, not months. Traditional compliance timelines of 6–12 months are incompatible with fintech velocity. You need a QSA who understands agile development, cloud-native architecture, and microservices — not one calibrated for legacy banking environments.
Multi-Market Regulatory Complexity
Expanding across Asia-Pacific means navigating PCI DSS alongside local central bank requirements — Bangladesh Bank licensing, MAS guidelines in Singapore, BNM frameworks in Malaysia. Each jurisdiction adds regulatory layers on top of card network mandates.
Services for Fintech & Payment Companies
Every service listed here has been delivered to fintech companies — payment gateways, digital wallets, lending platforms, and embedded finance providers across our seven markets.
PCI DSS Compliance
ROC, AOC, and SAQ assessments for payment processors, gateways, and card-handling environments. CardIntel-driven scoping reduces assessment time by identifying exactly where cardholder data lives in your cloud-native stack.
CardIntel Platform
Identifies cardholder data across databases, logs, API payloads, and backup systems. Typically reduces PCI DSS scope by 20–40%, translating directly into faster certification and lower assessment cost.
ISO 27001 Certification
Most banking partners and enterprise clients require ISO 27001 alongside PCI DSS. EIC’s integrated approach consolidates evidence collection and testing, saving 20–30% when both certifications are pursued together.
Penetration Testing
CREST-accredited testing for payment APIs, mobile wallets, and cloud infrastructure. PCI DSS Requirement 11.4 mandates annual penetration testing — EIC’s QSA-qualified testers ensure your test meets assessor expectations.
Fintech Compliance Requirements by Market
EIC operates across all seven markets, providing local regulatory knowledge alongside international certification standards.
| Market | Regulator | Key Fintech Requirements | EIC Coverage |
|---|---|---|---|
| Bangladesh | Bangladesh Bank / BFIU | MFS licensing, PCI DSS for payment service providers, ICT Guidelines for financial institutions | PCI DSS QSA, ISO 27001, VAPT |
| Singapore | MAS | Payment Services Act licensing, TRM Guidelines, Notice 655, MAS outsourcing requirements | PCI DSS QSA, ISO 27001, VAPT |
| Malaysia | BNM | RMiT Framework, e-money licensing, PCI DSS for payment facilitators | PCI DSS QSA, ISO 27001, VAPT |
| Vietnam | SBV | Circular 09, e-wallet licensing, IT security requirements for payment intermediaries | PCI DSS QSA, ISO 27001, VAPT |
| Philippines | BSP | Circular 1140 e-money framework, ITRMF cybersecurity requirements | PCI DSS QSA, ISO 27001, VAPT |
| Nepal | NRB | Payment Systems Department licensing, IT governance guidelines | PCI DSS QSA, ISO 27001, VAPT |
| Bahrain | CBB | Fintech Regulatory Sandbox, Payment Service Provider licensing, cybersecurity framework | PCI DSS QSA, ISO 27001, VAPT |
How a Payment Gateway Achieved PCI DSS in 11 Weeks
Regional Payment Gateway — Asia-Pacific
A fast-growing payment gateway processing transactions across three Southeast Asian markets needed PCI DSS certification to onboard a major acquiring bank. The challenge: a lean engineering team of 12, a cloud-native microservices architecture, and a 90-day deadline set by the banking partner.
EIC deployed CardIntel to map cardholder data flows across 14 microservices, identifying 4 services that could be removed from PCI DSS scope entirely. This reduced the cardholder data environment by 30%, simplifying the assessment. The gap analysis, remediation support, and formal ROC assessment were completed within 11 weeks — three weeks ahead of the banking partner's deadline.
Fintech Compliance FAQ
Answers to the most common questions fintech companies ask when starting their compliance journey.
Related Industries & Resources
Banking & Financial Services
PCI DSS, SWIFT CSP, and ISO 27001 for banks and financial institutions.
View Industry →E-commerce
PCI DSS and web application security for online merchants and marketplaces.
View Industry →PCI DSS Compliance Guide
Comprehensive guide to PCI DSS v4.0 requirements and certification process.
Read Guide →Ready to Get Your Fintech Compliant?
Book a free 30-minute scoping call. We will map your cardholder data environment, recommend the right PCI DSS pathway, and give you a fixed-fee quote — no obligation.