PCI Compliance in Days, Not Months

Move Fast, Don’t Break PCI

Privacy by Design

Skyflow Data Privacy Vault takes a zero trust approach to data privacy – never trust, always verify. Every data access request from any user or service gets thoroughly validated so sensitive data can only be accessed for the right reasons.

Minimize Data Handling Risk

Isolate, protect, and manage sensitive PCI data through the whole lifecycle so you can use it securely without replicating it across your infrastructure. Keep the scope of PCI compliance to a minimum and skip the complexity of managing a patchwork of point solutions.

Secure Integrations and Workflows

Integrate with third-party services, run workflows, and more – all without storing any sensitive PCI data in your back-end systems. Get value out of sensitive customer data without sacrificing data privacy and security.

Fine-grained Data Access Control

Quickly build and centrally manage the data access flows you need, within your organization and with third parties. Centrally control who sees what data, when, where, and how using any combination of policies, roles, and attributes.

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Radically Simple PCI Compliance

Polymorphic Encryption

Keep your data encrypted at rest, in transit, and in memory. Skyflow’s unique approach to data security utilizes multiple encryption and tokenization techniques to provide optimal security without sacrificing data usability.

Powerful Developer Tools

Skyflow was designed to give you the out-of-the-box functionality you need to get started quickly and the customization to support any workflow. Skyflow’s client-side and server-side SDKs let you securely collect and tokenize data, accelerating frontend and backend development.

Advanced Data
Governance Engine

Satisfy PCI requirements by governing where, how, and who can access payment card data. Use Skyflow’s powerful but intuitive policy expression language to control how sensitive data is accessed and used with fine-grained RBAC, ABAC, and PBAC policies.

Data governance issues handled with Skyflow

Automated Audit Logs

Document sensitive data access with a comprehensive audit trail to prove PCI compliance. Every action in your vault is automatically logged and auditable. Skyflow also makes it easy to audit and investigate data access using SQL queries, so you can monitor compliance with ease and quickly respond to security incidents.

Frequently Asked Questions about PCI DSS

Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards created by the credit card industry’s Payment Card Industry Security Standards Council (PCI SSC) to protect payment systems from data breaches.

Does PCI Apply to My Organization?

If your business handles credit card transactions, you are obligated to comply with PCI. There are a few ways you can achieve PCI compliance depending on the size of your company, but it generally breaks down to obtaining PCI compliance on your own or offloading most aspects of compliance responsibilities to a service provider.

What are the Consequences of PCI DSS Non-compliance?

PCI non-compliance can result in fines, which can vary from $5,000 to $100,000 a month depending on the size of the company and the duration of non-compliance. Additionally, banks and payment processors may increase transaction fees or terminate the relationship with your company altogether resulting in lost revenue.

How Does Skyflow Help Me Comply with PCI DSS?

Skyflow helps you Isolate, protect, and manage sensitive PCI data through the whole lifecycle so you can use it securely without replicating it across your infrastructure. Sensitive PCI data gets captured directly through Skyflow’s SDK and stored in a zero trust Data Privacy Vault. When you need to transmit PCI data to a trusted third party (such as a payment processor), that data is sent directly from the Data Privacy Vault with no exposure to your backend.

Skyflow Data Privacy Vault is not just a quick way to achieve PCI compliance as your business gets started, keeping credit card data in a Data Privacy Vault frees you to optimize payment logic and avoid payment processor lock-in as your business scales up.

How is PCI Compliance Defined?

There are two categories of PCI compliance: PCI Compliance for Merchants and PCI Compliance for Service Providers. As a PCI Level 1 service provider, Skyflow makes it easy to accelerate compliance across these categories and at each level.

PCI Compliance for Merchants:

Compliance for merchants consists of four levels that are defined by the number of payment card transactions. The highest level, Compliance Level 1, is for companies that process over 6 million payments a year. From there, the levels decrease as the number of payments processed annually decreases until Compliance Level 4 is reached, which is for companies with less than 20,000 transactions.

Compliance Level 1 has a unique requirement – companies that process 6 million or more transactions a year must submit a compliance report that has been reviewed by an independent Qualified Security Assessor (QSA). The PCI SSC keeps a database of all qualified assessors. For other compliance levels, typically a self-attestation is required to gain PCI compliance.

PCI Compliance for Service Providers:

Compliance for service providers consists of two levels, the first for service providers that process more than 300,000 transactions and the second for less than 300,000 transactions.

Companies must obtain an Attestation of Compliance (AOC), perform a network scan by an Approved Scanning Vendor (ASV) – repeated quarterly – and work with a third-party QSA to perform a ROC on an annual basis in order to obtain compliance Level 1.

What are the PCI Requirements?

PCI consists of twelve principal requirements, which summarize over one hundred specific sub-requirements or “controls”:

Install and maintain a firewall configuration to protect cardholder data
Do not use vendor-supplied defaults for system passwords and other security parameters
Protect stored cardholder data
Encrypt transmission of cardholder data across open, public networks
Protect all systems against malware and regularly update antivirus software or programs
Develop and maintain secure systems and applications
Restrict access to cardholder data by business need to know
Identify and authenticate access to system components
Restrict physical access to cardholder data
Track and monitor all access to network resources and cardholder data
Regularly test security systems and processes
Maintain a policy that addresses information security for all personnel

How Do I Migrate My PCI Data from a Payment Processor?

Skyflow can help you securely migrate your PCI data from your payment processor into a Data Privacy Vault. With your PCI data under your control, you can work with multiple payment processors and enjoy the best rates without added risk.

Check out how Skyflow can help you avoid PCI data lock-in or schedule a call with us.