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PCI DSS Audit & Consulting Services in USA

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PCI DSS Audit & Consulting Services in USA

Protecting cardholder data is a responsibility every United States business that stores, processes, or transmits payment data must meet. With more than 20 years of experience supporting organizations through PCI DSS compliance, VISTA InfoSec delivers full-scope PCI DSS audit and consulting services built for merchants, payment service providers, fintech platforms, SaaS companies, and cloud-based payment environments across the country.

From New York to California, Delaware, and every state in between, our Qualified Security Assessor team guides you through a clear, dependable path to PCI DSS version 4.0.1 compliance. Backed by CREST-accredited technical validation and supported by our dedicated AuditFusion360 service, which helps cut down repeated audit work and makes compliance easier for organisations managing multiple cybersecurity frameworks.

When you choose VISTA InfoSec, you get more than audit readiness — you get a streamlined, consolidated approach through AuditFusion360, combining compliance consulting, security assessment, and audit reporting under one unified service.

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    What Is PCI DSS and Why US Organizations Must Comply

    The Payment Card Industry Data Security Standard (PCI DSS) is a global security framework designed to protect cardholder data. In the United States, PCI DSS compliance is essential for:

      • E-commerce businesses
      • Payment processors & gateways
      • SaaS platforms
      • Retailers & POS-based companies
      • BPOs handling customer card information
      • Hospitality, healthcare billing, and financial service providers

    Non-compliance can lead to:

    ❌ Fines and penalties imposed by acquiring banks or card brands

    ❌ Higher transaction fees or stricter monitoring requirements

    ❌ Suspension or loss of the ability to process credit card payments

    ❌ Increased risk of data breaches and security incidents

    ❌ Legal liabilities, lawsuits, and mandatory forensic investigations

    ❌ Damage to brand reputation and loss of customer trust

    Our PCI DSS Audit & Consultant services ensure your business remains secure, compliant, and trusted by customers and acquiring banks.

    Relevant Local & Federal Regulations

    23 NYCRR 500 (New York Department of Financial Services Cybersecurity Regulation)
    Financial institutions, fintech companies, and other regulated entities in New York must implement cybersecurity programs that include risk assessments, access controls, encryption, monitoring, incident response, and vendor management. Many of these requirements overlap directly with PCI DSS, making it easier for organizations to satisfy both sets of controls.

    CCPA (California Consumer Privacy Act)
    CCPA focuses primarily on consumer privacy rights, but it also requires businesses to implement “reasonable security procedures and practices” to protect personal information. While it does not mandate specific PCI DSS controls, compliance with PCI DSS helps organizations strengthen data governance, access management, and overall security posture — supporting CCPA obligations.

    California Privacy Rights Act (CPRA)
    The CPRA, an extension of CCPA effective in 2023, further emphasizes data minimization, risk assessment, and monitoring of sensitive personal data. PCI DSS controls complement these requirements, particularly around cardholder and payment data security.

    FTC Safeguards Rule (Federal Trade Commission)
    The Safeguards Rule requires financial institutions under the FTC’s jurisdiction to maintain comprehensive information security programs, including risk assessments, encryption, access controls, monitoring, and vendor oversight. These controls overlap closely with PCI DSS requirements, making PCI compliance an effective way to meet federal expectations.

    Gramm-Leach-Bliley Act (GLBA) Safeguards Rule
    Financial institutions must protect customer financial data with administrative, technical, and physical safeguards. Many PCI DSS controls (encryption, access control, monitoring) support GLBA compliance efforts, particularly for organizations handling payment card data.

    Our PCI DSS Services (End-to-End Compliance)

    1. PCI DSS Advisory

    Our advisory services help organizations understand PCI DSS requirements and build a practical, actionable roadmap for compliance:

    • Define Scope: Identify your Cardholder Data Environment (CDE) and clarify exactly which PCI DSS requirements apply to your business.
    • Gap Mapping: Assess existing controls, processes, and workflows against PCI DSS standards to pinpoint gaps and risks.
    • Strategic Guidance: Recommend technical and operational improvements to strengthen security and compliance posture.
    • Policy & Process Alignment: Advise on policies, staff awareness programs, vendor management, and incident response to meet PCI DSS expectations.

    With our advisory support, your team gains clarity, confidence, and a step-by-step plan to implement PCI DSS controls effectively — all tailored to how your organization actually operates.

    1. PCI DSS Consulting

    Our consulting services focus on hands-on implementation and operationalization of PCI DSS controls, helping you move from planning to real-world compliance:

    • Remediation Support: Provide actionable recommendations to fix vulnerabilities and process gaps identified during assessments or audits.
    • Technical Services:
      • Vulnerability Assessment – Identify and remediate weaknesses in your CDE.
      • CREST-accredited Penetration Testing – Simulate real-world attacks to evaluate your defenses.
      • Web Application Security Testing – Secure public-facing and internal web applications.
      • Mobile Application Security Testing – Ensure mobile apps handling cardholder data are safe.
      • Red Team Assessment – Test detection and response capabilities against advanced threats.
      • ATM Security Assessment – Evaluate ATM networks for security and fraud prevention.
      • ASV Scans – Conduct external network scans to meet PCI DSS requirements.

    Our consulting approach is practical, hands-on, and tailored to your business operations. It ensures not just audit readiness, but a lasting security and compliance program that strengthens your defenses and prepares you for PCI DSS v4.0.1 audits.

    1. PCI DSS Audit

    We begin by identifying your Cardholder Data Environment (CDE), mapping data flows,

    • Scoping & Pre‑Assessment: Define your Cardholder Data Environment (CDE) and assess where gaps exist against PCI DSS v4.0.1.
    • Evidence Collection & Control Review: Evaluate policies, procedures, configurations, logging, access controls, network segmentation, encryption, and monitoring to ensure compliance.
    • Technical Validation: Perform required scans and penetration tests — including approved external scans (ASV), internal vulnerability assessments, and optional web and mobile application security reviews.
    • On‑site or Remote Audit (by QSA): Validate controls and operations, inspect physical and logical security, and gather final evidence.
    • Report on Compliance (ROC) & Attestation (AOC): Provide globally recognized documentation that demonstrates your compliance status to card brands, acquirers, and stakeholders.

    Why Choose Us for PCI DSS Audit & Consulting in the USA?

    With 20 years of specialized PCI DSS experience, we combine expertise with business practicality. Here’s what makes US clients trust us:

    Nationwide Expertise

    We support businesses across the United States, understanding regional regulations, bank requirements, and local payment practices.

    PCI Recognized

    As a PCI QSA and PCI SSF Assessor, we deliver audits, assessments, and technical validation recognized by the Payment Card Industry, ensuring your compliance is credible and accepted by acquirers and payment brands.

    Audit and Consulting in One Place

    We provide end-to-end services — formal PCI DSS audits, advisory guidance, and hands-on consulting — so you don’t need multiple vendors to achieve compliance.

    PCI DSS 4.0 Specialists

    Stay ahead of evolving security and compliance requirements with our deep expertise in the latest PCI DSS version 4.0 standards.

    AuditFusion360 – Consolidated Compliance Made Simple

    Our AuditFusion360 service streamlines multi-framework audits, aligns overlapping controls, and gives your organization a unified view of your compliance and security posture.

    US-Focused Reporting & Documentation

    Our ROC and AOC reports meet acquirer expectations and integrate seamlessly with US payment ecosystem requirements.

    CREST-Accredited Technical Validation
    Our CREST accreditation provides globally recognized technical credibility, ensuring that the security assessments supporting your PCI DSS compliance are rigorous, reliable, and trusted by industry standards.

    End-to-End Support

    From scoping and gap assessment to remediation and final certification, our experts guide your team at every step, removing guesswork and ensuring compliance works in practice, not just on paper.

    Real PCI DSS Success Stories From US Clients

    Case Study — Fintech Company, New York

    A rapidly growing NY-based fintech platform struggled with undefined CDE boundaries and insufficient logging.

    Solution:
    We redesigned their network segmentation, implemented SIEM monitoring, and created PCI-ready processes.

    Result:
    They completed their PCI DSS 4.0 ROC in just 10 weeks, with all controls passing on the first attempt.

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    Frequently Asked Questions

    A PCI consultant guides you in implementing PCI controls, preparing documentation, fixing gaps, and getting ready for the PCI audit.

    Depending on scope, US clients typically take 4 to 12 weeks to achieve full compliance.

    Any business that handles cardholder data — including merchants, service providers, SaaS platforms, and payment processors.

    Costs vary based on your scope, environment, and size. Most mid-size companies fall between $8,000 to $50,000+.

    Yes — we offer end-to-end advisory to fix findings and achieve certification.

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