Solutions · PCI DSS

PCI DSS v4.0.1, on autopilot

Cardholder-data scoping, segmentation evidence, quarterly ASV scans, and QSA-ready workpapers — generated continuously, not scrambled at year-end.

PCI DSS

PCI DSS v4.0.1

ROC readiness · Level 1

On track
Build & maintain100%
Protect data96%
Access control92%
Monitor & test88%

Scoped systems

0

Open findings

0

The framework

What is PCI DSS?

The Payment Card Industry Data Security Standard is maintained by the PCI Security Standards Council — the body jointly governed by Visa, Mastercard, American Express, Discover, and JCB. It applies to any organization that stores, processes, or transmits cardholder data, plus the service providers that touch that data on their behalf.

Version 4.0.1 tightened expectations around continuous monitoring, targeted risk analyses, and the customized approach to controls — making point-in-time evidence a losing strategy. The validation path depends on your volume: smaller merchants complete a SAQ, while Level 1 merchants and most service providers need a full Report on Compliance from a Qualified Security Assessor.

Chequr treats PCI as a living program. Scope stays tight, evidence stays fresh, and your QSA gets a workpaper package that closes on time — every year.

The 12 requirements

Every requirement group, mapped

Twelve requirements, six goals — all pre-wired to the evidence, policies, and tests your QSA will ask for.

Req 1–2Build & Maintain

Secure network & systems

Segment the cardholder data environment, enforce firewall rulesets, and retire vendor defaults across the stack.

Req 3–4Protect Account Data

Protect stored & in-transit data

Tokenize PAN storage, enforce strong cryptography, and prove key-management rotation with auto-collected evidence.

Req 5–6Vulnerability Mgmt

Keep systems hardened

Continuous anti-malware, patch SLAs, and secure SDLC proof pulled from your ticketing and CI/CD pipelines.

Req 7–9Access Control

Restrict access by need-to-know

Role-based access, MFA on every admin surface, and physical-access attestations stitched together automatically.

Req 10–11Monitoring

Track & test every path

Unified log aggregation, quarterly ASV scan tracking, and annual penetration-test coordination with evidence capture.

Req 12Governance

Information security policy

AI-drafted PCI-aligned policies, acknowledgements, incident-response runbooks, and vendor due-diligence packets.

How Chequr does it

Automation built for the cardholder-data environment

Four AI-native pillars turn PCI from a yearly sprint into a background process.

CDE scoping in hours, not weeks

Chequr discovers every system that stores, processes, or transmits cardholder data — and locks scope to the smallest defensible boundary.

Evidence on tap for all 12 requirements

Firewall configs, segmentation proofs, crypto attestations, log samples — pulled directly from your infrastructure and refreshed continuously.

ASV & pentest orchestration

Track quarterly ASV scans, internal vulnerability cycles, and annual penetration tests in one view — with remediation SLAs baked in.

SAQ or ROC, ready on demand

Generate the right validation artifact — SAQ A, A-EP, D, or full ROC workpapers — with every response backed by live evidence.

Timeline

From kickoff to attestation

A realistic PCI journey — with Chequr doing the heavy lifting at every stage.

Day 1

Connect payments stack

Stripe, Adyen, Braintree, AWS, Cloudflare, Okta — inventoried in under an hour, with CDE boundaries drafted automatically.

Week 1

Scope & gap analysis

AI maps every system to the 12 requirements and produces a ranked readiness report with prioritized remediations.

Week 2

Policies & segmentation proofs

PCI-aligned policies go live, segmentation tests are scheduled, and control ownership is assigned across the org.

Week 4

SAQ-ready

Self-assessment validation completed for eligible merchants — AoC signed and ready to share with acquirers.

Quarter 1

ASV scans & continuous monitoring

Quarterly external scans run on schedule. Internal vulnerability monitoring flags drift the moment it appears.

Annual

ROC issued

QSA-led Report on Compliance completed with a clean workpaper package. Renewals stay quiet — no fire drills.

By the numbers

PCI results customers ship on time

0%

Evidence auto-collected

0 wks

To SAQ-ready

0%

Less QSA back-and-forth

0/12

Requirements mapped

“Our QSA closed the ROC in half the time. The segmentation evidence alone would have taken us weeks to pull manually.”
LP

Lena Park

Head of Security, PayFlow

Chequr · AI ComplianceStart your PCI journey

Let your cardholder environment keep itself.

Book a 30-minute walkthrough. We'll map your cardholder-data scope live on the call.

Chequr · AI Compliance PlatformSetup in days · Audit-ready in weekschequr.com