How Fintechs Handle PCI Compliance

Fintech companies are encouraged to focus internal resources on product and customer needs while outsourcing PCI compliance and payment-data security, which can require significant engineering, audit, and security overhead without directly differentiating the customer experience. The discussion highlights growing use of digital wallets, buy now, pay later, account-to-account payments, embedded payments, and AI-supported fraud detection, while emphasizing that third-party and software supply-chain risks require careful vendor evaluation. Tokenization replaces sensitive payment or identity data with non-sensitive tokens stored in a secure vault, reducing PCI DSS scope and enabling firms to avoid maintaining their own cardholder data environments. Unlike processor-issued tokens that may lock data into one provider’s ecosystem, independent payment vaults can make data portable across processors, fraud tools, and payment networks, supporting an “unbundled” payments stack with greater flexibility, redundancy, and control over costs and performance. The text presents examples of companies using third-party vault providers, particularly Basis Theory, to speed implementation, support international expansion, and avoid customer disruption when changing payment partners.

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