Paying.co keeps payment businesses secure and compliant — with proactive penetration testing, hardening, monitoring, and full PCI DSS audit management. And when an audit comes back with findings or a breach has already happened, our remediation team gets you back to compliant quickly. We partner with all major security firms and Qualified Security Assessors so the QSA you already trust stays in the loop, not out of it.
Most security work shows up in one of three modes — you want to stay ahead of threats, you have an audit coming up, or something's already gone wrong and you need it closed out fast. Paying.co runs all three. One team, one phone number, full lifecycle — with all major Qualified Security Assessors and security firms in the loop.
Stay ahead of the threats that show up on audit reports. Comprehensive internal and external penetration testing using our own proprietary tools, security hardening across web, mobile, network, and cloud, plus continuous monitoring and vulnerability scanning so issues are caught before a QSA or an attacker finds them.
Get a security reviewEnd-to-end PCI DSS audit management — initial assessment, gap analysis, remediation planning, and final certification. We partner with all major Qualified Security Assessors and handle the coordination so the audit moves forward instead of stalling out. PCI documentation prepared or rebuilt from scratch if needed.
Start an audit engagementWhen an audit comes back with findings, or a security incident has already happened, our engineers analyze what went wrong, build a strategic plan to fulfill the QSA's requirements, execute the fixes, and stay through retest and final compliance. We don't just patch — we close findings and document the close for the auditor.
Get help with findingsWhether we're hardening your environment before an audit or fixing findings from one that just landed, the approach is the same — combine automated tooling with manual verification, work alongside your chosen QSA, and document everything to a standard the auditor will accept on the first pass.
We combine automated scanning with hands-on manual verification — the kind of testing automated tools alone miss. Vulnerability assessment, application security review, code review, and compliance validation across the full scope of your environment.
We collaborate with all major Qualified Security Assessors and security firms. The QSA you already trust stays involved — we work alongside them to close findings, prepare documentation, and keep the audit cycle moving forward without surprises.
Pre-requisite PCI documentation built from scratch or rebuilt to match the current standard. Policies, procedures, network diagrams, scope documentation, and SAQ/AOC preparation — written the way QSAs actually want to receive it.
Compliance isn't a once-a-year project. Ongoing vulnerability scanning, threat detection, log monitoring, and quarterly reviews keep you compliant between audits — so the next audit starts from a clean position, not a scramble.
Most security vendors show up after the alarm goes off — after an audit returns findings, after a vulnerability gets disclosed, after an incident is already in the news. Paying.co does that work too, and we're good at it. Our engineers analyze previous PCI findings, build a strategic plan to close them, and stay through QSA retest. When things break, we fix them.
But the better version of this relationship starts earlier. Continuous pen testing using our proprietary tools. Quarterly security reviews. Documentation maintained between audits, not rebuilt under deadline. Hardening recommendations applied before they become findings. So when the next audit cycle starts, you're not scrambling — you're prepared.
We collaborate with all major security companies and Qualified Security Assessors. The QSA you already trust keeps their role; we handle the gap between their findings and your fixes. One team across pen testing, audit preparation, remediation, and ongoing compliance — with the same engineers from one cycle to the next.
Talk to our security teamOur security team builds its own testing tools alongside the commercial and open-source stack — for the tests that need to be tailored, repeatable, and faster than what off-the-shelf scanners deliver. Everything is documented, everything is reproducible, and everything is built to hold up under the scrutiny of a QSA review.
Our team builds and maintains proprietary penetration testing tools alongside the commercial and open-source stack. Internal and external tests, web and mobile applications, network and cloud infrastructure — tailored to payment-specific threats that generic scanners miss.
Automated scans catch the obvious; manual review catches the subtle. We pair scanning tools with senior engineers who walk the application, review the code, and probe for the edge-case vulnerabilities that automated tools were never trained to find.
The QSA you trust stays the QSA. We collaborate with all major security companies and Qualified Security Assessors — preparing the evidence package, walking through findings, executing remediation, and standing ready for retest. We make the auditor's job easier, not harder.
Compliance maintained between audits with continuous vulnerability scanning, threat detection, log monitoring, and quarterly reviews. The next audit starts from a known-good baseline, not from a months-long catch-up project.
Paying.co collaborates with all major Qualified Security Assessors and security firms in the payments space. The QSA you already trust stays at the center of the engagement — we handle the gap between their findings and your fixes, prepare the evidence package, walk the auditor through remediation, and stand ready for retest. The result: a cleaner audit cycle for you and a faster sign-off path for the QSA.
We've worked alongside the major Qualified Security Assessors that audit payment companies — the firms accredited by the PCI Security Standards Council. Whichever QSA you've engaged, we've likely worked with them before.
We collaborate with major security and consulting firms across pen testing, incident response, and assessment engagements — complementing their work rather than competing with it. If they brought you the finding, we'll help you close it.
Full PCI Data Security Standard 4.0 expertise — the current standard, the requirements that came with it, and the timelines for the future-dated requirements that are still rolling in. We map your scope, your gaps, and your path forward.
One project manager handling the QSA relationship across initial assessment, gap analysis, remediation, evidence collection, and final certification. The QSA gets a clean evidence package; you get a predictable timeline.
Policies, procedures, network diagrams, scope documentation, SAQ/AOC preparation, and the evidence trail that backs every control. Written the way QSAs want to receive it — not the way Wikipedia describes it.
The same engineers across consecutive audit cycles. Your QSA changes their requirements year over year, the standard evolves, and your environment grows. We stay through all of it, so each cycle starts ahead of where the last one ended.
Our security expertise spans the eight domains that matter for payment-focused businesses. Whether the engagement is a single pen test or end-to-end PCI lifecycle management, every assessment, remediation, and ongoing review covers the same comprehensive scope.
Firewall configuration, network segmentation, traffic monitoring, and intrusion detection — the perimeter controls that PCI DSS scope evaluation depends on.
OWASP Top 10 testing, XSS, SQL injection, broken authentication, API security — including the manual testing automated scanners always miss.
Mobile application penetration testing, static and dynamic code analysis, runtime protection, and secure storage review for iOS and Android apps.
AWS, Azure, and GCP configuration review and compliance validation. IAM, S3/blob storage, network segmentation, and infrastructure-as-code hardening.
Full PCI Data Security Standard compliance — scope assessment, gap analysis, remediation, evidence package, and certification across DSS 4.0.
Authentication, authorization, role-based access, identity management, and privileged access review. The control category that finds the most audit issues.
Security policies, procedures, compliance documentation, incident response plans, and the governance framework that ties operational controls back to written requirements.
Ongoing vulnerability scanning, threat detection, log monitoring, and SIEM integration — the controls that keep you compliant between audits, not just during them.
Every Paying.co security engagement runs against a documented Statement of Work, with named owners on both sides and clearly defined milestones. Standalone pen tests typically land in 3–5 weeks. Full PCI DSS audit support runs the audit cycle — usually 3–6 months from kickoff to AOC. Remediation engagements scale to the scope of findings. Ongoing compliance support is structured as a continuous retainer with quarterly check-ins.
We start with where you are — current PCI status, existing findings, last audit results, current QSA relationship, scope of your cardholder data environment. The assessment defines what's already strong, what needs work, and what the engagement should actually cover.
We map your environment against PCI DSS 4.0 requirements (and any other relevant standards in scope), identify gaps, and prioritize them by audit risk and remediation effort. The output is a roadmap your team and your QSA can both agree on.
Engineering plan for closing every gap — technical fixes, configuration changes, policy updates, training requirements, and documentation. Sequenced by dependency, scoped by realistic timeline, ready to execute.
We work alongside your Qualified Security Assessor throughout — sharing evidence, walking through remediation, answering follow-up questions, and standing ready for retest. The QSA gets a clean audit; you get a faster sign-off.
Through final retest, AOC issuance, and the close-out documentation. The audit cycle ends on a clear "compliant" status, with the evidence package archived for the next cycle and any standing findings tracked for follow-up.
The relationship doesn't end at the AOC. Continuous monitoring, quarterly reviews, incident response standby, and prep for next year's audit cycle. We stay between audits so the next cycle starts ahead, not behind.
Tell us what you're protecting and where things stand — an upcoming audit, fresh findings from one that just landed, a security incident in progress, or a proactive review of where you might be exposed. We'll come back with a plan, a timeline, and a fixed scope. You'll hear back from a security engineer, not a sales rep.