符合 PCI 標準的支付流程
Cardflo 確保所有交易都符合 PCI 標準，從而降低安全風險並保護敏感持卡人數據。 我們的平台直接與您的系統集成，提供從支付發起到授權的安全環境。
無需操作負擔即可實現並保持監管合規性。
- 類別
- 安全
- 功能數
- 10
- 適用於
- 所有方案
概覽
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.
運作方式
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.
為何重要
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.
應用案例
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.
數據概覽
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.
相關術語
Talk to our team about a live rollout on your acquiring stack.
What you get with 符合 PCI 標準的支付流程
- 所有交易數據的端到端加密
- PCI DSS 1 級認證支付網關
- 安全託管支付頁面和 API
- 定期安全審核和漏洞評估
- 職責分離和訪問控制
- 所有支付活動的詳細審核追蹤
- 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.
Questions about 符合 PCI 標準的支付流程
PCI 合規性對我的業務意味著什麼？
PCI 合規性意味著遵守支付卡行業數據安全標準，這是一套針對處理品牌信用卡的組織的安全要求。 它有助於保護持卡人數據，減少欺詐並避免罰款。
Cardflo 的平台旨在確保您的支付流程符合這些標準。
Cardflo 如何幫助我實現 PCI 合規性？
Cardflo 提供 PCI DSS 1 級認證環境，減輕了您大部分的合規負擔。 通過我們的安全平台處理交易，您可以最小化您的範圍並減少維護 PCI 合規性所需的內部資源，讓您專注於您的核心業務。
Cardflo 的 API 和託管頁面是否符合 PCI 標準？
是的，Cardflo 的 API 和託管支付頁面均經過設計和維護以完全符合 PCI DSS 標準。 這確保通過這些接口傳輸或收集的任何數據都符合最高的安全標準，在整個交易生命週期中保護持卡人信息。
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.