PCI compliance for fintech
Launch faster and stay compliant. A European PCI DSS Level 1 vault for fintechs and neobanks — tokenized cards, processor-agnostic routing, DORA-aligned resilience and 100% EU data residency.
Fintechs move fast, but card data slows them down
Building and certifying your own card vault is slow and expensive — and regulators expect resilience, EU data residency and tight scope from day one.
Time to market
Building a compliant card vault in-house can delay launch by months you don't have.
Heavy audit scope
Storing card data yourself means a full SAQ D programme and ongoing QSA assessments.
Resilience expectations
DORA and supervisors expect operational resilience and tight control of third parties and data.
Multi-processor routing
Scaling across markets needs cards that route to different acquirers without re-vaulting.
Lean security teams
Early-stage teams can't carry the full weight of PCI controls alongside shipping product.
EU data residency
Regulated fintechs must keep card and personal data in the EU under GDPR.
A compliant card layer you don't have to build
Developer-first API & SDKs
Drop-in hosted fields and SDKs send cards straight to the vault and return tokens — ship in days, not months.
Processor-agnostic tokens
Route the same tokens to any acquirer or banking partner and switch providers without re-vaulting.
DORA-aligned resilience
PCI DSS Level 1, ISO 27001 and DORA-aligned — outsource card storage to a certified, resilient vault.
EU custody
Card data is stored only in European data centres under PCI DSS Level 1, with GDPR-aligned residency.
Fintech, answered
01 How does tokenization help a fintech stay PCI compliant?
Cards are captured through hosted fields or SDKs and sent straight to a PCI DSS Level 1 vault, which returns a token. Your app, ledger and backend only ever hold tokens, so cardholder data never touches your systems and most fintechs qualify for SAQ A — without building and certifying their own vault.
02 Can we keep our own processor and banking partners?
Yes. Tokens are processor-agnostic, so you can route to any acquirer or banking partner and switch providers without re-vaulting cards — useful as you scale across markets.
03 How does this support DORA and operational resilience?
PCI Proxy is PCI DSS Level 1, ISO 27001 and DORA-aligned, with EU data residency. Outsourcing card storage to a certified, resilient vault reduces your own attack surface and supports your operational-resilience obligations.
04 Is card data kept in the EU?
Yes. PCI Proxy stores card data only in European data centres with GDPR-aligned residency — important for regulated fintechs and their supervisors.
Ship payments without the PCI burden
Tell us about your product and stack, and we'll map a tokenization layer that keeps you on SAQ A and DORA-aligned.