💳 Compliance

PCI-DSS v4.0 — Cardholder Data Security

If you store, process, or transmit card data — PCI-DSS applies. Version 4.0 is now enforced. Non-compliance means card network fines, mandatory forensic investigation after breach, and potential loss of card processing ability.

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12 PCI-DSS Requirements

Install and maintain network security controls

Firewalls, network segmentation, cardholder data environment (CDE) isolation.

Apply secure configurations

No vendor defaults. System hardening. CIS benchmarks applied to all CDE systems.

Protect stored account data

Encryption at rest (TDE), tokenisation, masking. Retention policies. No full PAN in logs.

Encrypt transmissions

TLS 1.2+ for all cardholder data in transit. No SSL, no TLS 1.0/1.1.

Protect against malware

Antivirus/EDR on all systems. Updated signatures. Periodic scans.

Develop secure systems

Secure SDLC, code review, vulnerability management for custom applications.

SpectraAI maps findings to PCI-DSS requirements automatically. Our VAPT covers requirements 5, 6, 10, and 11. Our monitoring satisfies requirement 10 (logging) and 11 (security testing).

Check your compliance status

Free assessment. 5 minutes. India-specific compliance mapping.

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