PCI DSS Level 1 Certification for secure payments
RoxPay adopts the highest level of PCI DSS security to protect payment card data in every transaction: online, in-store and via API.
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What is PCI DSS certification
PCI DSS (Payment Card Industry Data Security Standard) is the global security standard created by Visa, Mastercard, American Express, Discover and JCB to protect cardholder data at every stage of the transaction.
Level 1 is the highest compliance grade, reserved for organisations processing over 6 million transactions annually. It requires annual audits conducted by a Qualified Security Assessor (QSA), quarterly ASV scans and periodic penetration testing.
The standard includes 12 fundamental requirements divided into 6 control objectives: from network protection to vulnerability management, from access control to continuous system monitoring.
Why PCI DSS is fundamental for payments
Required to operate with card networks
Visa, Mastercard and other international networks require PCI DSS compliance from all parties that handle card data. Without certification, it is not possible to process payments.
Protection from breaches and penalties
A data breach exposes the company to penalties of up to €20 million (GDPR) and fines from payment networks. PCI DSS dramatically reduces this exposure.
Requirement for enterprise and public sector
In public tenders and B2B vendor selections, PCI DSS certification is often an eliminating prerequisite. Having it speeds up onboarding with enterprise partners and clients.
How RoxPay implements PCI DSS
End-to-end encryption
All card data is encrypted with AES-256 in transit and at rest. PANs are tokenized and never exposed in plaintext in our systems.
Network segmentation
The CDE (Cardholder Data Environment) infrastructure is isolated from the rest of the network with dedicated firewalls, segmented VLANs and zero-trust access policies.
Continuous monitoring and penetration testing
Our internal SOC monitors systems 24/7. We perform quarterly penetration tests and ASV scans to identify and resolve vulnerabilities in real time.
Annual audit with certified QSA
Every year an independent Qualified Security Assessor verifies compliance with all 12 PCI DSS requirements, producing the official Report on Compliance (ROC).
Concrete benefits for your business
Zero liability on card data
With RoxPay PCI DSS Level 1 certified, your business never touches sensitive data. Liability is entirely managed by our infrastructure.
Reduced fraud and chargebacks
PCI DSS security protocols reduce fraud rates and chargeback-related costs by up to 80%, protecting your operating margin.
Faster onboarding with banks and partners
RoxPay's PCI DSS certification eliminates the need for additional audits, accelerating due diligence processes with financial institutions and merchant acquirers.
Enterprise and public sector trust
Working with a PCI DSS Level 1 provider strengthens your credibility in tenders, RFPs and with corporate clients that require certified vendors.
The difference vs non-certified providers
| With RoxPay (PCI DSS L1) | Non-certified provider | |
|---|---|---|
| Card data | AES-256 encrypted, tokenized, never exposed | Potentially in plaintext or weakly encrypted |
| Audit | Annual with QSA + quarterly ASV scans | Unverified self-assessment |
| Breach liability | Managed by RoxPay infrastructure | Falls entirely on the merchant |
| Network acceptance | Guaranteed by official certification | At risk of suspension or revocation |
Frequently asked questions about PCI DSS certification
What is PCI DSS certification and why is it necessary?
What is the difference between PCI DSS Level 1 and other levels?
How does RoxPay's PCI DSS protect my e-commerce?
Do I also need to get PCI DSS certification if I use RoxPay?
Protect your business payments
Discover how RoxPay's PCI DSS Level 1 certified infrastructure eliminates risks and simplifies compliance for your company.