Flujos de pago conformes con PCI
Cardflo garantiza flujos de pago conformes con PCI para todas las transacciones, mitigando riesgos de seguridad y protegiendo datos sensibles de tarjeta. Nuestra plataforma se integra directamente con sus sistemas, proporcionando un entorno seguro desde el inicio del pago hasta la autorización.
Logre y mantenga la adherencia regulatoria sin carga operativa.
- Categoría
- Seguridad
- Capacidades
- 10
- Disponible en
- Todos los planes
La visión general
PCI-compliant payment flows are the structured pathways through which sensitive cardholder data moves from the point of entry to the acquiring bank and payment schemes.
These flows are governed by the Payment Card Industry Data Security Standard (PCI DSS), a set of technical and operational requirements designed to protect account information.
In a typical online environment, a payment flow must ensure that Primary Account Numbers (PANs) and sensitive authentication data are either encrypted or substituted with tokens before they touch the merchant server.
By utilising specific integration methods such as hosted fields or iframes, merchants can reduce their compliance scope, shifting the burden of protecting raw data to a Level 1 service provider.
This architecture minimises the risk of data breaches while ensuring that internal systems only interact with non-sensitive identifiers, facilitating secure authorisation and settlement without the merchant directly storing prohibited data elements.
Cómo funciona
Data Capture and Encryption
When a customer enters their card details into a checkout form, the sensitive data is captured via an iframe or hosted field.
This ensures the raw information is encrypted at the point of entry before it reaches the merchant server, redirecting the payload directly to a secure vaulting environment for processing.
Tokenisation of Cardholder Information
The secure environment replaces the primary account number with a non-sensitive token.
This token acts as a unique identifier for the transaction, allowing the merchant to perform subsequent actions like captures or refunds without ever coming into contact with the actual card data, thereby maintaining a restricted compliance scope.
Authorisation and Transmission
The encrypted transaction details are transmitted to the acquirer and the relevant payment schemes. During this stage, the flow adheres to secure protocols to prevent interception.
The issuer evaluates the request, and the authorisation response is passed back through the gateway to the merchant to finalise the order.
Audit and Logging Procedures
Throughout the transaction lifecycle, every interaction is recorded in a secure audit trail. These logs track access and system changes without storing sensitive data.
Regular scans and assessments ensure the flow remains compliant with current PCI DSS versions, identifying potential vulnerabilities before they can be exploited by external actors.
Por qué importa
Reduction of Compliance Scope
Implementing structured PCI-compliant flows significantly reduces the number of controls a merchant must implement and audit annually. By using hosted interfaces, a business may qualify for a Self-Assessment Questionnaire (SAQ) A rather than the more rigorous SAQ D.
This transition minimises operational overhead, reduces the cost of annual assessments, and allows internal technical teams to focus on core product development rather than complex cryptographic management.
Mitigation of Financial Risk
Data breaches involving cardholder information carry substantial financial penalties, including scheme fines, increased transaction fees, and potential suspension of merchant IDs.
Compliant flows isolate sensitive data from the merchant's internal network, ensuring that even if a server is compromised, the attackers cannot access raw credit card numbers.
This defensive posture is critical for maintaining long-term stability and protecting the balance sheet from unpredictable litigation and remediation costs.
Casos de uso
E-commerce Retailers
Retailers use compliant flows to process high volumes of transactions during peak periods, ensuring that customer card data is vaulted and tokenised immediately upon entry to prevent storage on local databases.
Subscription Service Providers
For businesses relying on recurring billing, compliant flows allow for the storage of tokens that facilitate future payments. This enables continuous service without requiring the customer to re-enter sensitive details.
Marketplace Platforms
Platforms managing multiple sub-merchants use these flows to centralise security, ensuring that individual sellers never touch sensitive data, which simplifies the overall compliance burden for the entire ecosystem.
Mobile Application Developers
Native mobile checkouts utilise SDKs that implement compliant flows, ensuring card data is encrypted within the app environment and sent directly to the PSP, bypassing the app's backend infrastructure.
En cifras
This represents an industry-typical reduction in annual audit and management costs when moving from full server-side processing to a hosted payment flow that reduces SAQ scope.
Industry security reports suggest that isolating cardholder data from merchant networks can prevent the vast majority of common data theft scenarios during a server compromise.
Typical timeframe for a development team to integrate a compliant hosted-field solution compared to months for building and certifying a custom, secure vaulting system.
Términos relacionados
Talk to our team about a live rollout on your acquiring stack.
Lo que obtienes con Flujos de pago conformes con PCI
- Cifrado de extremo a extremo para todos los datos de transacción.
- Pasarela de pago certificada PCI DSS Nivel 1.
- Páginas de pago y APIs seguras alojadas.
- Auditorías de seguridad y evaluaciones de vulnerabilidad regulares.
- Separación de funciones y controles de acceso.
- Rutas de auditoría detalladas para todas las actividades de pago.
- Strict prohibition of storing sensitive authentication data such as CVV2 or PIN blocks.
- Maintenance of a comprehensive information security policy that addresses all PCI DSS requirements.
- Formalised incident response plans to address potential data breaches or security anomalies.
- Rigorous testing of security systems following any significant changes to the payment infrastructure.
A short scoping call, then a written plan for your MIDs.
Preguntas sobre Flujos de pago conformes con PCI
¿Qué significa el cumplimiento de PCI para mi negocio?
El cumplimiento de PCI significa adherirse al Estándar de Seguridad de Datos de la Industria de Tarjetas de Pago (PCI DSS), un conjunto de requisitos de seguridad para organizaciones que manejan tarjetas de crédito con marca.
Ayuda a proteger los datos de los titulares de tarjetas, reducir el fraude y evitar sanciones. La plataforma de Cardflo está diseñada para garantizar que sus flujos de pago cumplan con estos estándares.
¿Cómo me ayuda Cardflo a lograr el cumplimiento de PCI?
Cardflo proporciona un entorno certificado PCI DSS Nivel 1, aliviando la mayor parte de su carga de cumplimiento.
Al procesar transacciones a través de nuestra plataforma segura, minimiza su alcance y reduce los recursos internos necesarios para mantener el cumplimiento de PCI, lo que le permite centrarse en su negocio principal.
¿Las APIs y las páginas alojadas de Cardflo cumplen con PCI?
Sí, tanto las APIs como las páginas de pago alojadas de Cardflo están diseñadas y mantenidas para ser totalmente compatibles con PCI DSS.
Esto garantiza que cualquier dato transmitido o recopilado a través de estas interfaces cumpla con los más altos estándares de seguridad, protegiendo la información del titular de la tarjeta durante todo el ciclo de vida de la transacción.
What happens if a merchant does not maintain a PCI-compliant flow?
Non-compliance exposes a business to significant risks, including monthly fines from card schemes and the potential loss of the ability to process card payments entirely.
In the event of a data breach, a non-compliant merchant is liable for the costs of card replacement, forensic audits, and legal settlements. Acquirers may also increase the transaction fees for non-compliant merchants to offset the perceived risk to the payment ecosystem.
Do these compliant flows cover both online and in-person payments?
Yes, PCI compliance applies to all channels, though the technical requirements differ. For online flows, the focus is on web application security and encryption in transit.
For in-person payments, flows must involve PCI-validated Point-to-Point Encryption (P2PE) solutions, ensuring the card data is encrypted within the hardware terminal before it ever reaches the Point of Sale (POS) software or the local network.
Is CVV storage allowed if it is for the purpose of a refund?
No, the PCI DSS strictly prohibits the storage of Sensitive Authentication Data (SAD), which includes the CVV or CVC code, after authorisation. This applies even if the data is encrypted.
For refunds or subsequent transactions, the original authorisation's ARN (Acquirer Reference Number) or a transaction ID provided by the gateway should be used to link the new request to the original payment, rather than re-using CVV data.
Características relacionadas.
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