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Payments Compliance
Understand which payment security standards apply to you, reduce what falls in scope, and keep compliance current between assessments.
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What is payments compliance?
Payments compliance is the process of meeting the security standards and regulatory requirements that apply to processing, storing and transmitting payment data. For any organization handling payment card data, PCI DSS is the central standard, and depending on how your payment environment is built, other PCI standards or regulatory obligations may apply alongside it.
Which standards apply depends on what you do with payment data. A merchant taking card payments, a payment service provider handling PIN transactions and a vendor building payment software each face a different set. We help you work out which obligations apply to you, reduce compliance scope where your architecture allows, implement the controls those standards call for and demonstrate compliance through the required validation process.
Why payments compliance matters to your business
Payment environments hold data that converts directly to money, and the requirements around them move as technology and attack methods move. In Canada, these standards are enforced contractually through your acquirer and the card brands, and your compliance position also carries weight under privacy law.
Effective payments compliance helps you:
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protect cardholder and payment data across your environment.
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close security gaps in the systems that store, process or transmit it.
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meet the contractual requirements set by your acquirer and the card brands.
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evidence that your controls are operating as intended.
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reduce the effort each annual assessment takes.
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give customers and partners a straight answer on how payment data is handled.
Payment security standards reward being run as a continuing program, with evidence gathered through the year rather than assembled in the weeks before an assessment.
Payments compliance services
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Gap Assessments: Map your card data flows, reduce scope, and cut the work before formal assessment begins.
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Testing and Validation: Penetration testing, vulnerability scans, ASV services against the requirements that call for them.
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Remediation Support: Close the gaps found and optimize the controls you already run.
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Audit and attestation: QSA coordination, evidence preparation and readiness for formal assessment.
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Continuous compliance: Dashboards, monitoring and alerting that keep your position current between assessments.
Who we help with payments compliance
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Fintechs and payment service providers: Build and scale payment services while meeting the standards that apply to your role in the payment flow, alongside RPAA obligations where you are registered.
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Retail and e-commerce: Protect cardholder data across stores, websites, applications and payment infrastructure, and reduce scope where your architecture allows.
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Banks and financial institutions: Manage complex payment environments and align payment security requirements with OSFI B-13, PIPEDA and ISO 27001.
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Technology, cloud and service providers: Understand which compliance responsibilities sit with you, which sit with your customers, and what your third-party dependencies carry.
Why Integrity360
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PCI qualified expertise: Specialist assessment and advisory expertise across PCI DSS and the wider PCI standards.
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From scoping to assessment: Support across the full compliance lifecycle, including scope reduction, gap analysis, technical testing, remediation and formal assessment.
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Technical capability behind the compliance work: Payments compliance is supported by penetration testing, vulnerability management, cloud security and managed detection and response.
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Experience across complex payment environments: Merchants, banks, fintechs, payment service providers and service providers running layered payment infrastructure.
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Global reach, local expertise: Access to payments compliance specialists across multiple regions, with consistent assessment and service delivery.
Book a PCI health check with our specialists today.
Payments compliance FAQs
What is payments compliance?
Payments compliance refers to adhering to regulatory and industry standards that govern the security and integrity of payment processing systems. In Canada, this includes PCI DSS, the Retail Payment Activities Act, OSFI B-13, PIPEDA, and other national or international requirements, depending on your role in the payment chain.
Why is payments compliance important?
Non-compliance with payment requirements can lead to financial penalties, reputational damage, data breaches, and service restrictions. Maintaining compliance helps protect sensitive payment data, build customer trust, and meet legal and contractual obligations.
What payments compliance services does Integrity360 offer?
Integrity360 provides end-to-end compliance support including:
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PCI DSS gap assessments and remediation
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Secure architecture reviews
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Control testing and validation
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Compliance roadmap development
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Support for OSFI B-13, PIPEDA, and RPAA alignment
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Policy and procedure creation
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Ongoing compliance monitoring and audits
How does Integrity360 help with compliance?
Integrity360 conducts gap analyses, vulnerability scans, control testing, policy development, and remediation guidance. We help organizations prepare for audits and work alongside Qualified Security Assessors (QSAs) where required.
Can Integrity360 support multiple payment compliance frameworks?
Yes. Our consultants are experienced across a range of frameworks, including PCI DSS, OSFI B-13, the Retail Payment Activities Act, SWIFT CSP, and PIPEDA and provincial privacy requirements. We align your compliance efforts to your business model and risk profile.
Is this service suitable for fintechs and payment service providers?
Absolutely. Integrity360 works with PSPs, acquiring banks, e-commerce platforms, fintechs, and merchants, delivering scalable services from advisory to full compliance program management.
What makes Integrity360’s payments compliance service different?
Integrity360 brings together deep technical security expertise and regulatory knowledge. Our services are tailored to your sector and your risk profile, and focus on achieving sustainable compliance that supports your operational goals.
Speak to an expert
Which standards apply to you depends on where payment data flows and what your environment does with it. Talk to a payments compliance specialist about your scope and what your next assessment will need.
Call us
Dublin: +353 01 293 4027
London: +44 20 3397 3414
Sofia: +359 2 491 0110
Cape Town: +27 08 606 25673
Johannesburg: +27 08 606 25673
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