How to achieve PCI DSS certification, implement card tokenization, and protect customer data — without your own Security Operations Center.
compliance level
PANs in your systems
data encryption
Storing card data is the most expensive and riskiest part of payment infrastructure.
Card data is replaced with tokens on the 4Pay.online side. You only work with tokens — PAN never enters your system.
All sensitive data is stored in HashiCorp Vault with key rotation. Access is via API — with an audit trail for every request.
Thanks to tokenization, your business qualifies for simplified SAQ A or SAQ A-EP certification instead of full SAQ D.
Multi-layered security from transaction to storage.
Rules based on velocity, geolocation, amount, and patterns. Suspicious transactions are blocked before funds are charged.
3DS2 support for all card providers. Frictionless flow for trusted payers, challenge flow for suspicious ones.
Automatic anomaly detection: decline spikes, unusual amounts, mass attempts from a single IP. Real-time notifications.
For a fintech company, security is not just about regulatory compliance — it's a key driver of customer trust. A single PSP data breach makes headlines and destroys reputation in hours. Yet building your own Security Operations Center with HSM, key rotation, and 24/7 monitoring costs upwards of $500K per year.
Tokenization solves the root problem: if card data doesn't exist in your system, it can't be stolen. 4Pay.online accepts PAN on its PCI DSS Level 1 infrastructure, returns a token, and stores the original encrypted in Vault. Your servers only handle tokens, which radically simplifies audits and reduces certification costs.
An additional layer of defense is the anti-fraud engine, which analyzes every transaction across dozens of parameters before sending it to the provider. Velocity checks, device fingerprinting, geo-rules, and custom limits enable blocking fraud at an early stage. For operators, this means fewer chargebacks, higher approval rates, and peace of mind.
Four setup wizards. The operator completes them without development work.
Risk engine weights and a data source for each dimension — from counterparty checks to client behaviour.
Sliding-window aggregates and thresholds bound to a terminal: abnormal activity is cut off before authorisation.
Single sign-on via Google, OIDC or LDAP: an employee's access is revoked together with the corporate account.
Handling client requests about personal data and breach notifications — with deadlines and an audit log.
Card numbers are not stored by the operator: the platform works with tokens, and card data stays inside the platform's PCI DSS assessment scope.
PCI DSS Level 1 infrastructure, tokenization, and anti-fraud — out of the box.
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