PCI DSS 4.0

PCI DSS 4.0 Compliance for Fintech & SaaS

PCI DSS 4.0 moved the goalposts: continuous controls, documented scope, and signed evidence for every requirement. TigerGate automates the controls that touch cloud infrastructure, containers, and code — so your QSA assessment, SAQ-D, or ROC is built from live evidence, not quarterly screenshots.

Start Free TrialTalk to Compliance Team

What Changed in PCI DSS 4.0

PCI DSS 4.0 (fully enforceable since 31 March 2025) tightened five areas that cloud-native teams feel most:

  • Continuous controls — point-in-time attestation is no longer sufficient for several requirements; evidence must be ongoing.
  • Scoped CDE — cardholder data environment (CDE) scope must be documented, maintained, and reduced wherever possible.
  • Authenticated vulnerability scanning — Req 11.3.1 requires authenticated internal scans, not just unauthenticated external ASV.
  • Secure software development (6.3.x) — SAST, SCA, secrets scanning, and threat modeling evidence per release.
  • Targeted risk analysis — many requirements now allow "customized approach" backed by a documented risk analysis.

How TigerGate Covers Each PCI Requirement

Req 1 & 2: Network / Config

Multi-cloud CSPM across AWS, Azure, GCP. Detects open security groups, missing network segmentation, default configurations in the CDE. Maps to CIS Benchmarks and PCI 1.2.1 / 2.2.

Req 3 & 4: Data Protection

Encryption-at-rest and in-transit checks across every storage service. DSPM identifies cardholder data stores and flags unencrypted or publicly accessible resources.

Req 6: Secure Development

SAST, SCA, secrets scanning, and IaC scanning in CI/CD — mapped to PCI 6.3.1, 6.3.2, and 6.3.3. SBOM generation for every build.

Req 7 & 8: Access Control

CIEM across AWS, Azure, GCP enforcing least privilege. Detects overprivileged service accounts touching the CDE. Maps to PCI 7.2.5 and 8.3.1.

Req 10: Logging & Monitoring

eBPF runtime detection + CloudTrail / Activity Log validation. Alerts when logging drops or is tampered with. Maps to PCI 10.2 and 10.4.

Req 11: Vulnerability Mgmt

Authenticated internal vulnerability scanning (PCI 11.3.1), container image scanning (11.3.1.1), and ASV-compatible evidence export.

PCI DSS for Fintech: What's Different

Fintech teams almost always carry PCI DSS and SOC 2 in parallel, and increasingly ISO 27001. The right PCI platform makes the overlap work in your favor — single evidence, mapped to every framework. Fintech-specific challenges TigerGate solves:

  • SAQ-D complexity — many fintech SaaS platforms fall into SAQ-D or ROC scope; evidence must be structured for QSA review.
  • Rapid release cadence — PCI 6.3.x requires evidence per release. Automated CI/CD scanning fits the deploy cadence instead of blocking it.
  • Shared responsibility — fintech teams often inherit scope from a payment processor (Stripe, Adyen, Checkout.com). TigerGate ties your controls to processor requirements.
  • Overlapping frameworks — one scan, multiple framework mappings (PCI + SOC 2 + ISO 27001 + GDPR). See compliance automation.

What Tools Help a Fintech Company Handle PCI DSS and SOC 2 Together?

Three categories of tool, used together, cover most fintech PCI + SOC 2 programs in 2026:

  1. Technical controls automation — TigerGate for cloud posture, container scanning, SAST/SCA, secrets, runtime, and identity. One scan, mapped to both PCI and SOC 2 CC.
  2. GRC / policy & evidence platform — Vanta, Drata, or Secureframe for policy management, auditor collaboration, and HR/vendor tracking.
  3. QSA / auditor — a PCI QSA for the ROC + SOC 2 auditor. Many firms now cover both.

TigerGate integrates directly with Vanta and Drata, so one scan feeds both PCI and SOC 2 controls in the GRC platform without manual evidence collection.

Best Application Security Software for Fintech Securing PCI-Compliant Payment Processing

For payment-processing applications in PCI scope, three AppSec capabilities are non-negotiable: SAST on every PR, SCA + SBOM for every build, and secrets scanning in both source and container layers. TigerGate ships all three with PCI 6.3.x evidence mapping. See code security, SCA / SBOM, and the PCI DSS 4.0 compliance guide.

PCI DSS Compliance FAQ

TigerGate itself is SOC 2 Type II attested. Our customers use TigerGate to build and maintain SOC 2 and PCI DSS evidence for their own payment platforms — one scan, mapped to both frameworks.
The best CSPM tools for PCI DSS are those that map every finding to specific PCI requirements, support authenticated scanning (PCI 11.3.1), and generate audit-ready reports. TigerGate, Wiz, Prisma Cloud, and Orca all qualify; TigerGate is the only option with startup-friendly pricing.
No — they are complementary. TigerGate automates technical controls and evidence (cloud, container, code, runtime). Vanta/Drata manage policies, HR, vendors, and auditor collaboration. We integrate so evidence flows automatically.
Vulnerability scanning (11.3.1 and 11.3.1.1), configuration standards (2.2), encryption (3.5, 4.1), access controls (7, 8), logging (10.2–10.4), secure development (6.3.x), and change management. Non-technical controls (policies, training, physical security) stay in your GRC platform.
Yes. TigerGate exports evidence in formats compatible with QSA review for both SAQ-D self-assessments and full ROC assessments.

Ready to Automate PCI DSS 4.0?

Free tier. First PCI evidence report inside the trial. Vanta and Drata integration included.

Start Free TrialTalk to Compliance Team