PCI-DSS Compliance for Indian Businesses
If your business accepts, processes, or stores credit card data, PCI-DSS compliance is not optional — it's mandatory. The Payment Card Industry Data Security Standard (PCI-DSS) protects cardholder data and reduces fraud risk.
What is PCI-DSS?
PCI-DSS is a set of security standards established by major card networks (Visa, Mastercard, RuPay, etc.) to ensure that businesses handling card data maintain a secure environment. Non-compliance can result in:
The 12 Requirements
1. Install and maintain a firewall configuration
2. Do not use vendor-supplied default passwords
3. Protect stored cardholder data
4. Encrypt transmission of cardholder data
5. Use and regularly update anti-virus software
6. Develop and maintain secure systems
7. Restrict access to cardholder data
8. Assign a unique ID to each person with access
9. Restrict physical access to cardholder data
10. Track and monitor all access to network resources
11. Regularly test security systems
12. Maintain an information security policy
Compliance Levels
The Easy Path: Use a PCI-Compliant Payment Gateway
The simplest way to achieve PCI compliance is to use a payment gateway that handles all card data on your behalf. When you use PgFinser's integrated payment gateways (Razorpay, Cashfree, PayU, etc.), the card data never touches your servers, significantly reducing your compliance burden.
How PgFinser Helps
All payment gateways we integrate are PCI-DSS Level 1 certified. We also help businesses implement tokenization, encryption, and secure API practices to maintain the highest security standards.
Need compliance guidance? Contact our security team.