PCI-kompatible betalingsflyter
Cardflo sikrer PCI-kompatible betalingsflyter for alle transaksjoner, reduserer sikkerhetsrisikoer og beskytter sensitive kortholderdata. Plattformen vår integreres direkte med systemene dine, og gir et sikkert miljø fra betalingsinitiering til autorisasjon.
Oppnå og oppretthold regulatorisk overholdelse uten operasjonell byrde.
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Oversikten
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.
Slik fungerer det
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.
Hvorfor det er viktig
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.
Bruksområder
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.
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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.
Relaterte begreper
Talk to our team about a live rollout on your acquiring stack.
Hva du får med PCI-kompatible betalingsflyter
- Ende-til-ende kryptering for alle transaksjonsdata
- PCI DSS Level 1-sertifisert betalingsgateway
- Sikre hostede betalingssider og API-er
- Regelmessige sikkerhetsrevisjoner og sårbarhetsvurderinger
- Skille av plikter og tilgangskontroller
- Detaljerte revisjonsspor for alle betalingsaktiviteter
- 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.
Spørsmål om PCI-kompatible betalingsflyter
Hva betyr PCI-kompatibilitet for min virksomhet?
PCI-kompatibilitet betyr å overholde Payment Card Industry Data Security Standard, et sett med sikkerhetskrav for organisasjoner som håndterer merkevarede kredittkort. Det bidrar til å beskytte kortholderdata, redusere svindel og unngå straffer.
Cardflos plattform er bygget for å sikre at betalingsflytene dine oppfyller disse standardene.
Hvordan hjelper Cardflo meg med å oppnå PCI-kompatibilitet?
Cardflo tilbyr et PCI DSS Level 1-sertifisert miljø, som avlaster mesteparten av din samsvarsbyrde. Ved å behandle transaksjoner gjennom vår sikre plattform, minimerer du omfanget og reduserer de interne ressursene som kreves for å opprettholde PCI-kompatibilitet, slik at du kan fokusere på kjernevirksomheten din.
Er Cardflos API-er og hostede sider PCI-kompatible?
Ja, både Cardflos API-er og hostede betalingssider er designet og vedlikeholdt for å være fullt PCI DSS-kompatible. Dette sikrer at all data som overføres eller samles inn via disse grensesnittene, overholder de høyeste sikkerhetsstandardene, og beskytter kortholderinformasjon gjennom hele transaksjonslivssyklusen.
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.
Relaterte funksjoner.
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