Built for modern payments, lending, and banking-as-a-service

Compliance for Fintech Startups

Turn PCI DSS, SOC 2, and bank expectations into a clear roadmap

Describe your product and architecture once and get a fintech-specific readiness assessment: cardholder data flows, control coverage, and the gaps you should close before your next bank, partner, or investor review.

Run a free fintech scan See how it works

From vague "Are you PCI compliant?" to a concrete, honest answer

AI Compliance Advisor turns your fintech stack into a structured compliance view: data flows, PCI DSS scope, SOC 2 controls, and a prioritized list of remediation tasks.

Map payment data flows
See where cardholder, account, and transaction data lives across services and vendors.
  • Identify systems in and out of PCI DSS scope
  • Highlight dependencies on processors and banking partners
Control gap analysis
Compare your current controls against PCI DSS, SOC 2, and security best practices.
  • Access control, logging, and change management
  • Incident response, vendor risk, and key management
Due diligence-ready summaries
Generate reports you can share with banks, processors, and investors as part of due diligence.
  • Explain your risk posture in plain language
  • Show progress across multiple scans over time

See a sample fintech readiness report

Each scan produces a structured report you can use to brief your CTO, compliance lead, board, or banking partners on where you stand today.

  • Data flow and system inventory

    Overview of which services, databases, and vendors touch sensitive financial data.

  • Control coverage vs. gaps

    Summary of where you align with PCI DSS and SOC 2 today, and where you need more work.

  • Prioritized remediation actions

    A practical backlog: policies to draft, controls to implement, and integrations to tighten.

Sample Fintech Readiness Snapshot
A simplified example of what an AI-generated fintech compliance report can look like inside Compliance Advisor.

Example: Card issuing and banking-as-a-service startup

Overall readiness: Medium — good technical security, but missing formal vendor risk processes and incident playbooks.

Top 3 risks

  1. Unclear ownership for incident response and customer communications.
  2. Limited documentation of data flows across card processor and banking partners.
  3. No centralized vendor risk review for critical third parties.

Next 5 actions

  • Document PCI DSS scope and which systems are fully outsourced to processors.
  • Define an incident response plan with roles, timelines, and communication flows.
  • Introduce a simple vendor risk review template for critical suppliers.
  • Centralize logging for production infrastructure and admin actions.
  • Schedule recurring access reviews for financial and customer data.

Fintech compliance questions founders actually ask

Do we need full PCI DSS certification before launch?

It depends on your architecture and which providers you use. AI Compliance Advisor helps you understand which parts of PCI DSS apply, what you can outsource to processors, and what you still need to own internally.

Can this help with bank and partner onboarding questionnaires?

Yes. Many fintechs use scan results as a backbone for answering security and compliance questionnaires, instead of starting from a blank page each time.

How does this relate to SOC 2 and investor expectations?

The same controls that de-risk PCI and operations also de-risk SOC 2 and investor due diligence. AI Compliance Advisor emphasizes pragmatic steps that improve your posture across multiple frameworks at once.

Start your fintech compliance readiness assessment

Run a free scan, share the report with your team, and walk into your next bank, partner, or investor meeting with a concrete view of your risk and roadmap.

Start free fintech scan View fintech-friendly plans