Storing Credit Cards: Outsource a Solution, or Build?
Blog post from Basis Theory
Organizations deciding whether to build or outsource a cardholder data environment (CDE) must weigh PCI DSS compliance obligations, data flexibility, cost, time to launch, security management, and developer experience. PCI DSS includes more than 300 controls for protecting cardholder data, while scope determines which people, processes, and systems must meet those requirements and attestation validates compliance through questionnaires or formal audits. Card issuers, payment service providers, and tokenization platforms can offload much of the compliance burden, provide ready-made infrastructure, accelerate deployment, and reduce costs, although conventional payment-provider tokens can limit data portability and third-party sharing. Tokenization providers offer greater control and portability without the full complexity of operating an in-house CDE, whereas building internally offers complete ownership of the data environment but can require four to nine months and roughly $145,000 to $500,000 or more to implement, assess, and maintain. Businesses are encouraged to map how card data moves through their systems, identify operational and strategic needs, prioritize objectives and expected returns, seek advice from experienced peers, and test a narrowly scoped proof of concept before selecting an approach.
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