PayFac PCI-DSS v4.0 and beyond

PCI DSS v4.0 for PayFacs: compliance mastery guide

15 November 2023 in Blog

by Ludovic Plisson

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As we approach the 2024 deadline, Payment Facilitators (PayFacs) face the crucial task of aligning with PCI DSS v4.0. This guide offers essential insights for PayFacs to ensure compliance and strengthen their security posture. Understanding and implementing the strategies for PCI-DSS v4.0 for PayFacs is vital for maintaining robust and secure payment systems.


Navigating PCI DSS v4.0: Key shifts and strategies for PayFacs

The update to PCI DSS v4.0 represents a significant shift for PayFacs. It requires a focus on ongoing security, advanced validation methods, and adaptable compliance strategies. It also introduces much greater flexibility with the Customized Approach. This evolution calls for a reevaluation of existing security frameworks and approaches.

Immediate and future adjustments

  • By April 2025, they are required to implement controls for script integrity and payment page change detection.
  • Within the same deadline, Internal Scans must now be authenticated, which presents unique challenges with regards to environments containing actual production data
  • Payfacs can now do away with the outdated approach of mandatory password rotations every 90 days. Allow your staff to input 18 character pass phrases and keep them forever.

Strategic adaptations for PCI DSS v4.0 compliance

Overall, while introducing stronger security posture requirements, PCI DSS 4.0 also improves PayFacs’ ability to implement strong and customized security controls.

This is the perfect opportunity to adjust, insofar as it is allowed under your other compliance programs, your security posture with regards to Authentication, Zero Trust, Scanning and Pentesting.

PayFacs should delve into the various aspects of the new standard, including timing requirements, cryptographic standards, and scoping obligations. Understanding these elements is key to a successful transition.

Now is the time to involve your CiSO and CTO to ascertain how they’re planning for this transition.

Expanding the scope: Beyond compliance

While the primary focus is on meeting the new standards, there’s also an opportunity for PayFacs to leverage this transition to enhance their overall security posture and operational efficiency. Strategic preparation and adaptation can lead to improved client trust and market positioning.


Facing the complexities of PCI DSS v4.0 may appear challenging, but it presents a unique opportunity for PayFacs to enhance their security posture and streamline operations. By embracing strategic preparations now, PayFacs will not only comply with new standards but also advance their market position. 

Through NORBr Infra‘s white-label solution, PayFacs can kickstart their PCI DSS v4.0 compliance, integrating robust security into their payment processes effortlessly.

Discover how NORBr’s advanced infrastructure can simplify your path to compliance, but also the increasing security requirements of your customers.

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