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Skip to main content Security Certification PCI DSS Compliance Level 1 Certified Paytia holds PCI DSS Level 1 certification — the highest standard for payment card security. Our platform keeps card data out of your contact centre, audited annually by a Qualified Security Assessor. Request AoC DocumentBook Free DemoBook Free Demo Key Compliance Facts What our Level 1 certification means for your business Level 1 Highest PCI DSS certification Same level required of the largest payment processors worldwide 329→22 Requirements drop for clients Card data never enters your environment, removing most PCI requirements SAQ A Simplified compliance for you Most clients qualify for the shortest Self-Assessment Questionnaire What Is PCI DSS? The Payment Card Industry Data Security Standard (PCI DSS) is a global standard that governs how businesses handle, process, and store payment card data. It was established by the major card brands — Visa, Mastercard, American Express, Discover, and JCB — through the PCI Security Standards Council. In the UK, PCI DSS applies to any business that accepts, transmits, or stores cardholder data — including contact centres taking phone payments. Any business that accepts, transmits, or stores cardholder data must comply with PCI DSS. Non-compliance exposes businesses to data breaches, substantial fines, and the potential loss of the ability to process card payments. If you're in the UK and want to know who enforces this and what lapsing costs, read our guide to PCI compliance in the UK. For a breakdown of what an incident actually costs, see our guide to the true cost of a PCI data breach. Our Certification Paytia holds PCI DSS Level 1 certification, the highest level of payment card security achievable. This certification is independently audited and verified annually by a Qualified Security Assessor (QSA). Our Attestation of Compliance (AoC) is available upon request. Rigorous Assessment Level 1 requires on-site audits, network penetration testing, and detailed review of all security controls. Global Standard The same level required of the largest payment processors in the world. Cyber Essentials Plus In addition to PCI DSS Level 1, Paytia is Cyber Essentials Plus certified (UK government standard) and aligned with NIST CSF 2.0 for US clients. PCI DSS Compliance Levels PCI DSS defines four compliance levels based on transaction volume. Paytia operates at Level 1, the most rigorous tier. Level Transaction Volume Validation Requirement Level 1Paytia Over 6 million per year Annual on-site audit by a Qualified Security Assessor (QSA) Level 2 1 to 6 million per year Annual Self-Assessment Questionnaire (SAQ) Level 3 20,000 to 1 million per year Annual Self-Assessment Questionnaire (SAQ) Level 4 Fewer than 20,000 per year Annual Self-Assessment Questionnaire (SAQ) How We Protect Card Data Our DTMF masking technology ensures that payment card numbers are never exposed to agents, call recordings or client systems. 1 Secure Capture Card data is captured directly from the caller's telephone keypad and routed securely to the payment processor without passing through the client's environment. 2 DTMF Masking DTMF tones are masked (also known as DTMF suppression) so that card numbers cannot be identified from the audio stream, call recordings, or screen captures. Agents remain on the call throughout. 3 Scope Elimination Card data never enters the client's network, telephony or call recording systems. The compliance burden is significantly simplified, reducing audit costs and risk. Compliance Benefits for Your Business Paytia simplifies PCI DSS compliance, saving your business time, money, and risk. From SAQ D to SAQ A Because card data never enters the client environment, most businesses move from SAQ D (329 requirements) to SAQ A (22 requirements). Lower Audit Costs Fewer systems in scope means a smaller, faster PCI assessment — less to document, less to test, and a shorter self-assessment questionnaire. Reduced Breach Risk No card data in your environment means no card data to breach. You cannot lose what you never had. Simplified SAQ Most Paytia clients qualify for the shortest Self-Assessment Questionnaire, reducing compliance paperwork dramatically. The Simple PCI DSS Question PCI DSS compliance comes down to one simple assessment your business must make: “Do you have card data (PAN — full card number) and CVV/CVC (security code) in any of your payment flows?” With Paytia in front of your business, the answer becomes NO. How Paytia Simplifies Your PCI DSS Compliance When you implement Paytia, you can attest that you have outsourced responsibility to a PCI DSS Level 1 Service Provider who captures, transacts, and tokenises cardholder and sensitive authentication data for your business. Your Responsibility Under PCI DSS Section 12 Under PCI DSS 4.0.1 Section 12, your business has a responsibility to vet Paytia as your service provider. Specifically (and for context on what v4.0.1 changed for contact centres in particular, see the 2026 buyer's guide for contact centres): 1 12.8.2.a Examine policies and procedures to verify that processes are defined for engaging service providers 2 12.8.2.b Verify that the entity maintains a list of service providers 3 12.8.2.c Verify that the entity monitors service providers' PCI DSS compliance status Paytia will provide you with our Attestation of Compliance (AoC) confirming our audit level and that we have been assessed and verified as a safe service provider that can handle card data and SAD for your business. What You Still Need to Do 1 12.8.1 Have a written policy for how you manage service providers like Paytia who handle card data on your behalf 2 12.8.4 Check at least once a year that Paytia is still PCI DSS compliant (we make this easy by providing our AoC on request) 3 12.8.5 Keep a clear record of which PCI requirements Paytia handles for you and which ones your business is responsible for Important: Paytia removes the vast majority of PCI requirements from your business. You are still responsible for checking that Paytia remains compliant and for securing any of your own systems that connect to our services. Content Security Protection and Tamper Detection Paytia web forms and checkout include content security protection as standard, with real-time logging and administrator alerts. PCI DSS 4.0.1 Requirement 11.6 Section 11.6 requires organisations to deploy tamper-detection mechanisms to alert personnel to unauthorised modification of critical files, data, or systems. 11.6.1Deploy tamper-detection mechanisms for critical files 11.6.1.aConfigure mechanisms to evaluate critical files at least weekly 11.6.1.bAlert personnel upon detection of unauthorised modification How Paytia Meets Requirement 11.6 Built-in content security protection: Web forms and checkout processes include tamper-detection mechanisms as standard Real-time monitoring: Continuous monitoring of all payment form interactions and data transmission Automated alerts: Immediate notifications to account administrators when unauthorised modifications are detected Full audit logging: Detailed audit trails of all system interactions and security events Weekly evaluations: Regular automated assessments exceed the minimum weekly requirement Ongoing Compliance We maintain continuous compliance through regular vulnerability scanning, penetration testing and internal security reviews. Our infrastructure is monitored around the clock and we conduct quarterly ASV (Approved Scanning Vendor) scans as required by the PCI Security Standards Council. Client Responsibilities While Paytia removes the majority of PCI requirements from our clients, some obligations remain. We provide guidance and documentation to help clients complete their own SAQ (Self-Assessment Questionnaire) and maintain their compliance posture. Assessment Support Our compliance team works directly with clients and their QSAs to ensure a smooth assessment process. We provide all necessary documentation, including our AoC, responsibility matrices, and technical architecture details. Paytia as Your PCI DSS Level 1 Service Provider As a certified Level 1 service provider, Paytia captures, processes, and stores payment card data on behalf of your business, removing sensitive card information from your people, processes, and systems. People Your staff no longer need to handle or be exposed to sensitive payment information. Processes Your business workflows no longer require strict card data handling procedures. Systems Your IT infrastructure no longer stores or processes sensitive payment data. Reduced Compliance Burden By using Paytia, your business can qualify for simplified PCI compliance validation, often reducing requirements to a simple Self-Assessment Questionnaire (SAQ A). Stronger Security Posture Paytia's security infrastructure — encryption, tokenisation, and continuous monitoring — is built to protect your customers' payment information at every step. Simplify Your PCI Compliance Discover how Paytia's PCI DSS Level 1 certified platform can move you from SAQ D (329 requirements) to SAQ A (22 requirements). Our AoC is available to clients, prospective clients, and their compliance teams upon request. Request AoC DocumentLearn About Data Breaches