In a significant milestone for secure digital payments, Mintoak is now officially PCI DSS 4.0.1 certified, reaffirming our commitment to the highest standards of security and compliance. This upgraded standard is more than a checklist; it reflects the evolving landscape of payment ecosystems and the rigorous demands of modern fintech operations.

What PCI DSS 4.0.1 Means for Digital Payments

The new PCI DSS 4.0.1 certification introduces enhanced safeguards across payment environments:

• Stronger encryption and quarterly data purging – ensuring sensitive customer data is never at risk.
• Mandatory Multi-Factor Authentication (MFA) for all Cardholder Data Environment (CDE) access – minimizing unauthorized access.
• Automated vulnerability management and log monitoring – proactively identifying and resolving potential security threats.

Why Compliance Matters for Fintechs, Banks, and Acquirers

For fintechs collaborating with banks and acquirers, achieving PCI DSS 4.0.1 compliance translates into tangible business advantages:

• Faster integrations with financial partners due to adherence to the latest security protocols.
• Fewer audit hold-ups, enabling smoother operational workflows.
• Competitive differentiation in a crowded digital payments market.

By meeting the latest standards, Mintoak empowers partners to operate confidently in a secure, compliant, and efficient payment ecosystem.

What Makes Mintoak’s Compliance Stand Out?

Mintoak’s certification covers the full lifecycle of merchant payments from onboarding to settlement ensuring that sensitive payment data remains secure across every channel.

Our systems are architected to support:

• Microservice-driven modular payments infrastructure
• Continuous monitoring and anomaly detection
• Frictionless integration with banking and acquiring systems

This ensures partners experience both compliance and scalability without compromise.

FAQs About PCI DSS 4.0.1 Certification

1. What is PCI DSS 4.0.1?

PCI DSS 4.0.1 is the global data security standard for handling cardholder information. It ensures businesses process, store, and transmit payment data securely.

2. Who needs PCI DSS 4.0.1 compliance?

Any organization that processes, stores, or transmits card payments including fintechs, banks, acquirers, and payment service providers must be PCI DSS compliant.

3. How does PCI DSS 4.0.1 benefit fintech companies?

It builds credibility with partners, reduces audit complexity, and ensures secure integrations with banking ecosystems.

4. How often should PCI DSS 4.0.1 audits be done?

Compliance validation is typically annual, but ongoing quarterly checks and vulnerability assessments are required.

5. How does Mintoak’s PCI DSS 4.0.1 certification help its partners?

It ensures faster go-to-market timelines, robust security, and smoother compliance workflows for every fintech or acquirer integrating with Mintoak.