RAKSHA

PCI DSS 4.0 — Payment Card Security Advisor

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Client Profile

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Level 1/2 Merchant: Organizations processing 1M+ card transactions annually require on-site assessment by a Qualified Security Assessor (QSA) and quarterly network scans by Approved Scanning Vendor (ASV).
WHY

If your organization stores, processes, or transmits cardholder data, PCI DSS compliance is mandatory — not optional. Non-compliance results in fines up to $100,000/month, increased transaction fees, and potential loss of card processing privileges. With digital payments booming in India (UPI, cards, wallets), PCI DSS applies to more businesses than ever.

WHAT

PCI DSS 4.0 contains 12 requirements across 6 categories — network security, data protection, vulnerability management, access control, monitoring, and security policies. Key changes in v4.0 include customized approach, targeted risk analysis, and enhanced authentication requirements. Compliance levels (1-4) depend on transaction volume.

HOW

We conduct PCI DSS gap assessments, define your Cardholder Data Environment (CDE), implement network segmentation, and prepare you for QSA audits or SAQ completion. We help reduce scope through tokenization and encryption strategies. Typical advisory: ₹8-35 lakh depending on compliance level and CDE complexity.

Available OEM Vendors (10)

1

Qualys

Cloud-based security and compliance scanning

2

Tenable

Vulnerability and risk management

3

Rapid7

Vulnerability and incident detection

4

Trustwave

PCI DSS compliance and audit services

5

SecurityMetrics

PCI compliance and QSA audits

6

ControlScan (Fortra)

Vulnerability scanning and compliance

7

Coalfire

Compliance and risk advisory services

8

A-LIGN

Compliance advisory and certification

9

Vanta

Automated compliance and security monitoring

10

Drata

Continuous compliance automation platform

Vendor-neutral. Customer-first. We recommend what you need — nothing more.

Compliance Dashboard
Overall Compliance Score 0%
0
Compliant
0
In Progress
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Not Started
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Non-Compliant
Critical Domains Loading...
High Priority Domains Loading...
Compliance Requirements — 12 Domains
Solution Mapping Matrix
PCI DSS 4.0 Requirement → Raksha Domain Advisor Mapping
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PCI DSS 4.0 DomainEDREmailNGFWSIEMZTIAMDLPCloudDevSecBackupGRCNetMDR
R1. Network✓✓
R2. Config✓
R3. Stored Data✓✓
R4. Transit✓✓
R5. Malware✓✓
R6. Secure Dev✓✓
R7. Access✓✓
R8. Auth✓
R9. Physical✓
R10. Logging✓✓
R11. Testing✓✓
R12. Policies✓
Implementation Roadmap
1
Scoping & Assessment
Weeks 1–4
  • CDE scope definition and data flow mapping
  • Gap analysis against PCI DSS 4.0 requirements
  • Merchant level determination
  • QSA/ISA selection for assessment
  • Network segmentation planning
2
Remediation Design
Weeks 5–12
  • Network segmentation implementation
  • Encryption strategy for stored and transit data
  • Access control and MFA deployment plan
  • Secure development lifecycle establishment
  • Logging and monitoring architecture design
3
Implementation
Weeks 13–24
  • Firewall and network controls deployment
  • Encryption and tokenization rollout
  • EDR/anti-malware deployment
  • SIEM and FIM deployment in CDE
  • IAM and MFA implementation for CDE access
4
Validation & Testing
Weeks 25–32
  • Internal and external vulnerability scans
  • Penetration testing (internal and external)
  • ASV scan completion and passing
  • QSA on-site assessment execution
  • SAQ or ROC completion
5
Ongoing Compliance
Ongoing
  • Quarterly ASV scans and internal scans
  • Annual penetration testing
  • Annual PCI DSS assessment/re-validation
  • Continuous monitoring and log review
  • Annual security awareness training
Penalty Reference — PCI DSS 4.0
Non-compliance with PCI DSS requirementsFines $5,000 – $100,000/month from card brands
Data breach with PCI non-complianceLiability for fraud losses + Forensic costs
Failure to complete annual PCI validationIncreased transaction fees + Processing restrictions
Repeated non-compliance after breachTermination of card acceptance privileges
Non-compliance penalty escalationUp to $500,000 per incident for severe violations
Raksha Technologies
Cybersecurity Procurement Advisory · www.raksha.co.in