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We design, build, and secure payment and fintech software to PCI DSS: cardholder data protected, scope reduced, and the evidence your acquirer or QSA expects. For fintechs, payment platforms, ecommerce, and anyone whose software touches cardholder data.
PCI DSS gets expensive and slow when cardholder data spreads through systems that never needed to touch it. The recurring gaps:
The primary account number (PAN) flows through services that should never see it, dragging the whole environment into scope.
Card data stored with no tokenization, so you carry the risk and the audit burden of holding it.
Encryption with no real key management, rotation, or separation of duties, which fails the requirement that matters most.
A flat network with no segmentation puts every system in scope instead of isolating the cardholder data environment.
PCI DSS requires logging and monitoring of access to cardholder data. Without it, you cannot prove control.
The assessor asks for evidence the system cannot produce, and your acquirer holds up go-live.
Start with a fixed-fee readiness assessment. You get a straight answer on your PCI scope, where you stand against PCI DSS, what it takes to close the gaps, and a fixed quote, before you commit to a larger build.
We are the team enterprises and government agencies trust to build software where security and compliance are non-negotiable. Payments and fintech are core to that work.
A free 30-minute call to understand your payment flows, your acquirer, and your timeline.
We map your scope, assess against PCI DSS, and hand you a prioritized report and a fixed quote.
We remediate, shrink your scope with tokenization, and keep it compliant if you want us to.
Sthenos Technologies is an EDWOSB/WOSB-certified custom software development firm headquartered in Tysons, VA, with an office in Bethesda, MD (NAICS 541511). We build PCI DSS-compliant payment and fintech software, protecting cardholder data, reducing PCI scope through tokenization and segmentation, and producing the evidence acquirers and QSAs expect.
PCI compliance is validated through a Self-Assessment Questionnaire (SAQ) or a QSA's Report on Compliance (ROC), not a developer certificate. We build software to PCI DSS and reduce your scope so that validation is straightforward and the evidence is ready.
Yes, that is the core of the work. With tokenization, hosted payment fields, and segmentation, most of your systems never touch the primary account number, which shrinks scope, cost, and risk.
An SAQ is a self-assessment for lower transaction volumes; a ROC is a formal report produced by a Qualified Security Assessor (QSA) for higher volumes. We build and document so you are ready for whichever applies to you.
Usually, yes. We start with the readiness assessment, then remediate: scope reduction, tokenization, encryption and key management, segmentation, and logging.
Book a free 30-minute call. We will tell you straight what PCI DSS takes, and what it costs.