PCI DSS Certification & Compliance Services India
Any business that accepts, processes, stores, or transmits payment card data must comply with the Payment Card Industry Data Security Standard (PCI DSS). Non-compliance exposes you to card brand fines of ₹5-25 lakh per month, increased transaction fees, and the risk of losing the ability to accept card payments entirely. MDIT Services provides end-to-end PCI DSS compliance services in India — from initial gap assessment through remediation, QSA audit support, and certification — across Delhi, Noida, Pune, Mumbai, Bangalore, Chennai, and Hyderabad.
PCI DSS v4.0 — What Changed and Why It Matters
PCI DSS v4.0 (mandatory since March 2024) introduces significant new requirements including customised implementation approaches, enhanced authentication requirements (multi-factor authentication for all CDE access), and new e-commerce and phishing protections. If your organisation was certified under v3.2.1, you need a fresh gap assessment against v4.0. MDIT’s team is fully trained on PCI DSS v4.0 requirements.
Our PCI DSS Services
PCI DSS Gap Assessment & Readiness
Our certified consultants evaluate your current environment against all 12 PCI DSS v4.0 requirement domains. We identify gaps, classify them by priority, and deliver a remediation roadmap with realistic timelines and effort estimates. This is the mandatory first step for any organisation beginning its PCI DSS journey.
Cardholder Data Environment (CDE) Scoping
Incorrect scoping is the #1 reason organisations overspend on PCI DSS compliance. We map all systems that store, process, or transmit cardholder data, identify connected systems, and use network segmentation analysis to minimise your CDE scope — directly reducing your compliance cost.
PCI DSS Implementation & Remediation
We implement the technical and procedural controls required by PCI DSS across your environment: network segmentation, encryption at rest and in transit, access control, logging, patch management, and vulnerability management programs. Our team works alongside your IT and development teams throughout.
ASV Scanning (Quarterly)
PCI DSS requires quarterly external vulnerability scans by an Approved Scanning Vendor (ASV). MDIT coordinates and manages your ASV scans, triages findings, and supports remediation to achieve a passing scan — required before every certification cycle.
Penetration Testing (Annual)
PCI DSS v4.0 Requirement 11.4 mandates annual penetration testing of your CDE network and applications. MDIT’s VAPT team conducts PCI DSS-scoped penetration tests that satisfy both the internal and external testing requirements.
QSA Audit Support & Report on Compliance (ROC)
We prepare your evidence packages, coordinate with your Qualified Security Assessor (QSA), and manage the audit process from start to finish. Our pre-audit reviews significantly reduce the time and cost of the formal QSA assessment.
SAQ Completion Support
For merchants using payment gateways or hosted payment pages, we help you accurately complete the correct Self-Assessment Questionnaire (SAQ A, SAQ A-EP, SAQ B, SAQ D, etc.) — avoiding the common mistake of completing the wrong SAQ type.
PCI DSS Certification Locations in India
MDIT Services provides PCI DSS certification services across India with onsite and remote delivery options:
- PCI DSS certification in Delhi & NCR — Noida, Gurgaon, Faridabad, Gurugram
- PCI DSS certification in Mumbai — including Thane, Navi Mumbai, BKC
- PCI DSS consulting in Pune — Hinjewadi IT Park, Baner, Kharadi
- PCI DSS certification in Bangalore — Whitefield, Electronic City, Koramangala
- PCI DSS certification consultants in Chennai — including OMR IT Corridor
- PCI DSS compliance in Hyderabad, Ahmedabad, Kolkata, Kochi
PCI DSS Pricing India
| Service | Scope | Starting Price |
|---|---|---|
| PCI DSS Gap Assessment | Up to 50 systems in CDE | ₹75,000 |
| SAQ Completion Support | SAQ A / A-EP / B | ₹35,000 |
| ASV Scanning (Quarterly) | Up to 10 external IPs | ₹20,000/quarter |
| PCI DSS Implementation | Small CDE (<100 systems) | ₹3,00,000 |
| Full ROC Audit Support | Level 1 Merchant | ₹8,00,000+ |
| Annual PCI DSS Management | Ongoing compliance | ₹1,50,000/year |
Prices vary by CDE size and complexity. Free scoping call available.
Frequently Asked Questions
Who needs PCI DSS certification in India?
Any entity that stores, processes, or transmits cardholder data — merchants, payment service providers, fintech companies, e-commerce platforms, banks, and payment aggregators. Even if you use a payment gateway, you may still need to comply with specific SAQ requirements depending on your integration method.
How long does PCI DSS certification take in India?
A small merchant achieving SAQ compliance can take 4-8 weeks. A Level 1 merchant requiring a full QSA audit and ROC typically takes 3-9 months depending on the size of the cardholder data environment and existing security maturity. MDIT provides realistic timelines after a free scoping call.
What is the cost of PCI DSS certification in India?
SAQ-based compliance (smaller merchants) typically costs ₹50,000-₹2,00,000 with MDIT’s support. Full Level 1 ROC audit preparation ranges from ₹5,00,000-₹15,00,000 depending on CDE complexity. This is significantly lower than the fines and reputational damage from non-compliance.
Is PCI DSS mandatory in India?
PCI DSS is mandated by card schemes (Visa, Mastercard, RuPay) and increasingly by the RBI through its guidelines for payment aggregators and payment gateways. Non-compliant merchants face monthly fines from their acquiring bank, increased interchange rates, and potential termination of card acceptance privileges.
Related Services
- Penetration Testing / VAPT
- Compliance Audit Services
- ISO 27001 Certification
- DPDP Act Compliance
- Virtual CISO Services
- Web Application Penetration Testing
Get a Free PCI DSS Scoping Call
Tell us about your payment environment and we’ll scope your compliance journey with a fixed price.
Frequently Asked Questions
How much does PCI DSS certification cost in India?
PCI DSS certification cost in India: Level 1 merchants (QSA assessment) Rs8-25 lakh; Level 2-3 merchants (SAQ-based) Rs2-8 lakh including gap assessment and remediation; ASV quarterly scanning Rs50,000-Rs1.5 lakh/year. MDIT provides fixed-price quotes after a free scoping call.
Is PCI DSS mandatory for Indian businesses?
PCI DSS is contractually mandatory for any business that stores, processes, or transmits cardholder data, enforced by card networks through your payment acquirer. RBI regulations for payment aggregators and payment gateways also require PCI DSS compliance. Non-compliance can result in higher interchange fees, fines, and loss of card acceptance privileges.
What changed in PCI DSS v4.0?
PCI DSS v4.0 (mandatory since March 2025) introduces customised implementation options, stronger MFA requirements for all CDE access, enhanced e-commerce security targeting digital skimming attacks, new targeted risk analysis requirements, and expanded service provider responsibilities. MDIT's QSA team guides organisations through v4.0 transition assessments.
Achieve PCI DSS Compliance
QSA-led gap assessment, SAQ support, and full certification. For Indian payment companies and fintechs.
PCI DSS Certification Process in India
Achieving PCI DSS certification in India follows a structured process that varies by merchant level and transaction volume. MDIT Services guides you through every stage from initial scoping to certification attestation.
Step 1 — Scoping and Gap Assessment
We begin by defining your Cardholder Data Environment (CDE) — the systems, networks, and processes that store, process, or transmit cardholder data. Our gap assessment benchmarks your current controls against all PCI DSS v4.0 requirements and produces a prioritised remediation roadmap with timelines and cost estimates.
Step 2 — Remediation
Based on the gap assessment, we work with your IT and security teams to implement required controls: network segmentation, encryption at rest and in transit, access control, logging and monitoring, and vulnerability management. MDIT provides both advisory and hands-on technical implementation.
Step 3 — Self-Assessment or QSA Audit
| Merchant Level | Transaction Volume | Requirement |
|---|---|---|
| Level 1 | 6 million+ transactions/year | Annual ROC by QSA + quarterly ASV scans |
| Level 2 | 1-6 million transactions/year | Annual SAQ + quarterly ASV scans |
| Level 3 | 20,000-1 million e-commerce transactions | Annual SAQ + quarterly ASV scans |
| Level 4 | Under 20,000 transactions | Annual SAQ recommended |
Step 4 — ASV Scanning and Penetration Testing
PCI DSS requires quarterly external vulnerability scans by an Approved Scanning Vendor (ASV) and annual penetration testing of the CDE (Requirement 11.4). MDIT coordinates ASV scanning through PCI SSC-approved partners and performs the penetration testing component directly.
Who Needs PCI DSS Compliance in India
- Payment gateways and aggregators — RBI PA/PG licensing explicitly mandates PCI DSS compliance
- Banks and NBFCs — Institutions processing card transactions under RBI oversight
- E-commerce companies — Platforms accepting card-on-file payments or managing tokenised card data
- Fintech companies — Buy-now-pay-later, wallet providers, card issuers operating in India
- Hospitality and retail — Hotels and large retailers with significant card transaction volumes
Frequently Asked Questions — PCI DSS Certification India
What is PCI DSS certification in India?
PCI DSS certification in India means achieving compliance with the Payment Card Industry Data Security Standard. It is required for any organisation that stores, processes, or transmits payment card data. In India, this is a mandatory condition for RBI PA/PG licensing and is enforced by payment brands (Visa, Mastercard) through acquiring banks.
What does PCI DSS certification cost in India?
PCI DSS certification cost in India ranges from ₹1.5-3 lakhs for SAQ-based compliance (small merchants) to ₹8-25 lakhs for Level 1 merchants requiring a full QSA Report on Compliance. Ongoing annual compliance maintenance typically costs ₹2-6 lakhs per year.
How long does PCI DSS certification take in India?
Timeline depends on current security posture and merchant level. SAQ-based compliance: 2-4 months. Level 1 ROC audit (including remediation): 4-9 months. MDIT conducts an initial gap assessment to provide a realistic timeline for your specific environment.
Contact MDIT Services at info@mditservices.in for a free PCI DSS scoping call and gap assessment quote.