Certify PCITM
PCI DSS Compliance Certification & Insurance
CertifyPCITM is an in-house automated web-based tool integrated with the CyoGate Payment Gateway that provides an easy way for merchants to satisfy their Payment Card Industry (PCI) compliance requirements. According to the PCI Security Council, merchants and agents are required to adhere to strict PCI Data Security Standards (DSS) or risk losing their ability to process credit card transactions.
With CertifyPCITM, merchants and agents have the opportunity to quickly and securely gain compliance using a turn-key solution that includes receiving a validation certificate upon completion.
CertifyPCITM also offers a $50,000.00 insurance policy per occurrence in the event of a merchant breach.
What Is PCI DSS and Why Does It Matter?
The Payment Card Industry Data Security Standard (PCI DSS) is a set of security requirements established by the major card networks (Visa, Mastercard, Amex, and Discover) that apply to every business that accepts, stores, or transmits cardholder data. Non-compliance can result in fines from your processor, increased per-transaction fees, and — in the event of a breach — significant liability for losses and remediation costs.
Every merchant that accepts credit cards is required to complete an annual self-assessment questionnaire (SAQ) and, depending on transaction volume, may also need to complete quarterly network vulnerability scans by an Approved Scanning Vendor (ASV).
How CertifyPCI Simplifies Compliance
CertifyPCI™ is integrated directly into the CyoGate payment gateway and guides merchants through their specific SAQ based on how they process payments. The system:
- Identifies which SAQ type applies to your processing environment (SAQ A, A-EP, B, B-IP, C, D, or P2PE)
- Guides you through each question with plain-English explanations — no security expertise required
- Issues a validation certificate upon successful completion to satisfy your processor's compliance requirements
- Provides a $50,000 breach insurance policy per occurrence — included as part of the CertifyPCI program
Reducing Your PCI Scope
The fastest way to simplify PCI compliance is to reduce the scope of your cardholder data environment. Using CyoGate's Customer Vault for tokenized card storage means card data never touches your servers, which drops most merchants to the simplest SAQ type (SAQ A) — typically completable in under an hour. Merchants using CyoGate's hosted payment page or iframe checkout face even simpler compliance requirements since cardholder data entry happens entirely within CyoGate's PCI-certified environment.
PCI Compliance and Chargebacks
PCI compliance also has direct implications for chargeback liability. If a breach results from non-compliance, card-brand rules may hold the merchant fully liable for fraud losses. Being compliant shifts a portion of that liability and demonstrates due diligence to your processor. Combined with fraud screening and chargeback prevention, CertifyPCI is part of a complete risk management approach.