Payment Card and Processing

Payment Card industries have long been a soft target for organized cybercrime, and compliance with some of the industry’s most stringent data protection standards is non-negotiable. VISTA InfoSec brings nearly two decades of experience helping merchants and service providers achieve PCI DSS compliance and secure their IT infrastructure, with services spanning PCI DSS, PCI PIN Compliance, Vulnerability Assessment, Penetration Testing, GDPR, and Incident Response.

Payment processors and card networks are beginning to deploy AI for real-time fraud scoring, transaction monitoring, and chargeback prediction — models that make split-second decisions on customer transactions with real financial consequences. An AI fraud model trained on biased or poisoned data can wrongly decline legitimate customers or, worse, miss genuine fraud patterns, while unsanctioned AI tools touching cardholder data create a direct PCI DSS scope violation. VISTA InfoSec helps payment card businesses govern their AI use through AI/LLM security testing, agentic AI and shadow AI risk assessments, and governance aligned with both ISO 42001 and PCI DSS.