Security · PCI Compliance · QSA

Stay protected. And when something breaks, we fix it.

Proactive security, PCI DSS audit management, QSA coordination and remediation for payment businesses — from staying ahead of findings to getting back to compliant when something has already gone wrong.

PCI DSS v4.0 · SECURITY PROGRAMprod-pci-q2
QSA IN THE LOOP
PROGRAM STATUSCOMPLIANTAOC-2026-Q2
Critical0
High0
Medium3closed · retested
Low7
01PROTECTPen test · harden · monitor
02AUDITAssess · document · coordinate
03REMEDIATEFix · evidence · retest
QSA PARTNEREvidence package ready→ Final sign-off
All Major QSAsSecurity + assessment partners
PCI DSSAutomated + manual
100+years distributed in-house
24/7breach + QSA response
01 · Three ways we keep you secure

Stay ahead. Pass the audit. Close the findings.

Most security work arrives in one of three modes: you want to prevent problems, you have an audit coming up, or something already went wrong. Paying runs all three as one lifecycle.

PILLAR 01 · PUBLIC

Proactive Security

Pen testing, hardening, continuous monitoring and vulnerability scanning across web, mobile, network and cloud — before a QSA or attacker finds the issue first.

PEN TESTING · HARDENING · MONITORING
PILLAR 02 · INTERNAL

Audit & Compliance

End-to-end PCI DSS audit management: assessment, gap analysis, QSA coordination, documentation, evidence collection and final certification.

PROPRIETARY TESTING · QSA · DOCUMENTATION
PILLAR 03 · CONTINUOUS

Findings & Breach Response

When an audit returns findings or a breach has already happened, we analyze the failure, build the remediation plan, execute the fixes and stay through retest and final compliance.

FINDINGS · BREACH RESPONSE · RECERT
02 · How we work

Comprehensive testing. QSA-aligned execution.

PCI DSS handles scale and correlation. Senior testers handle depth: chained vulnerabilities, business logic, authentication bypasses and attack paths automated tools cannot replicate.

01

Automated + manual

Gap analysis, vulnerability assessment, application security review, code review and hands-on validation across the full environment.

02

QSA partnerships

We collaborate with all major Qualified Security Assessors and security firms rather than replacing the relationship you already trust.

03

Documentation

Policies, procedures, network diagrams, scope documentation, SAQ/AOC preparation and evidence written the way auditors expect it.

04

Continuous monitoring

Vulnerability scanning, threat detection, log monitoring and quarterly reviews keep the next audit from becoming another scramble.

03 · Why Paying + PCI DSS

The better model starts before audit day.

Security works better as an operating function than a once-a-year project. The same engineers can stay across testing, audit support, remediation and the next compliance cycle.

Security as a fire drill

  • Findings appear on audit day
  • Documentation rebuilt under deadline
  • QSA waits while remediation drags
  • Different vendor for every workstream
  • Same problems return next year

Paying.co + PCI DSS

  • Continuous automated + manual testing
  • Documentation stays audit-ready
  • Findings closed inside the audit window
  • One team across testing, audit support and remediation
  • Same engineers across multiple cycles
04 · Under the hood

Proprietary tools. QSA-grade rigor.

Our security team builds proprietary testing tools alongside the commercial and open-source stack — for tests that need to be tailored, repeatable and fast enough to hold up under QSA scrutiny.

TOOLING

Proprietary testing

Internal and external tests, web and mobile applications, network and cloud infrastructure — tailored to payment-specific threats.

CUSTOM · REPEATABLE · PAYMENT-SPECIFIC
VALIDATION

Automated + manual

Automation catches the obvious; senior engineers walk the application, review code and probe the subtle edge cases.

SCAN · VERIFY · EXPLOIT
VALIDATION

QSA collaboration

Prepare evidence, walk through findings, execute remediation and stand ready for retest with your assessor.

EVIDENCE · FINDINGS · RETEST
05 · QSA & Security Partnerships

We work with your QSA. Not around them.

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.

QSA aligned
handshake

All major QSAs

We've worked alongside the major Qualified Security Assessors that audit payment companies — the firms accredited by the PCI Security Standards Council.

Security firms
shield

Security firm partnerships

We collaborate with major security and consulting firms across pen testing, incident response, and assessment engagements — complementing their work.

Standards
verified

PCI DSS 4.0 ready

Full PCI Data Security Standard 4.0 expertise — the current standard, the requirements that came with it, and the future-dated timelines still rolling in.

Coordination
task_alt

Audit coordination

One project manager handling the QSA relationship across initial assessment, gap analysis, remediation, evidence collection, and final certification.

Evidence
workspace_premium

Evidence & documentation

Policies, procedures, network diagrams, scope documentation, SAQ/AOC preparation, and the evidence trail that backs every control.

Ongoing
support_agent

Multi-cycle support

The same engineers across consecutive audit cycles. We stay through all of it, so each cycle starts ahead of where the last one ended.

06 · What we cover

The full spectrum of compliance and protection.

Network Security

Firewall configuration, network segmentation, traffic monitoring and intrusion detection.

Web Application

OWASP Top 10, XSS, SQL injection, broken authentication, API security and manual review.

Mobile Security

Mobile app penetration testing, static and dynamic analysis, runtime protection and secure storage.

Cloud Security

AWS, Azure and GCP configuration review, IAM, storage, network segmentation and IaC hardening.

PCI DSS

Initial assessment, gap analysis, remediation, evidence package and certification across DSS 4.0.

Access Controls

Authentication, authorization, RBAC, identity management and privileged access review.

Policy & Governance

Security policies, procedures, compliance documentation and incident-response governance.

Continuous Monitoring

Ongoing vulnerability scanning, threat detection, log monitoring and SIEM integration.

07 · How we deliver

A real engagement. End to end.

01

Initial assessment

Current PCI status, existing findings, QSA relationship and cardholder-data scope.

02

Gap analysis

Map the environment against PCI DSS v4.0 and prioritize gaps by audit risk and effort.

03

Remediation plan

Technical fixes, configuration changes, policies, training and documentation sequenced for execution.

04

QSA + certification

Coordinate evidence, retest, AOC issuance and the ongoing support that keeps the next audit clean.

Common questions

Security & PCI compliance, answered plainly.

What's the difference between a PCI compliance audit and a penetration test?add
A PCI audit assesses whether your environment meets the full set of PCI DSS controls — access management, encryption, logging, network segmentation, and the rest — and results in a formal Report on Compliance or Attestation of Compliance. A penetration test is a specific, hands-on attempt to break into your systems the way an attacker would, and PCI DSS actually requires it as one input into the broader audit.
Do you work with our existing QSA, or do we need to replace them?add
We partner with all major security firms and Qualified Security Assessors, so the QSA relationship you already have stays in place. Our job is to do the engineering and remediation work that gets your environment ready for that QSA to sign off.
We already failed a compliance audit — can we fix it without a full rebuild?add
In most cases, yes. A failed audit almost always points to specific control gaps rather than an architecture fundamentally incompatible with compliance. PCI DSS typically gives a remediation window rather than an immediate disqualification.
How often do we actually need penetration testing?add
At minimum, annually — that's the PCI DSS requirement for Level 1 merchants and service providers, plus after any significant change to your environment. Standalone engagements typically run 3–5 weeks.
What does a security and PCI compliance engagement cost and how long does it take?add
It depends on scope and starting point. A standalone penetration test typically lands in 3–5 weeks. Full PCI DSS audit support runs the length of the audit cycle, usually 3–6 months from kickoff to Attestation of Compliance.
Are you current on PCI DSS v4.0?add
Yes. PCI DSS v4.0.1 introduced 64 new requirements, with all future-dated requirements becoming fully mandatory as of March 2025. We scope every engagement against the current standard.
Ready to get started?

Stay compliant without making security a fire drill.

Tell us whether you need an external test, internal segmentation validation, a full PCI engagement, or continuous coverage. We'll return a scope, timeline and fixed price.

Start your project

Sales online

Tell us about your project — we route you to the right specialist.

person
error_outlinePlease enter your name.
business
mail
error_outlinePlease enter a valid email address.
call
link
tune
error_outlinePlease tell us a bit about your project.

lock Your details go straight to our sales engineers — never shared or sold.