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JAN 22, 2026
Beyond Compliance: What PCI Secure Software Standard v2.0 Means for Payment Software Vendors
PCI S3 (Secure Software Standard)
Assess and validate payment software to ensure alignment with PCI S3 requirements.
TABLE OF CONTENT
Why it matters
Meeting PCI S3 Requirements Demands More Than Secure Coding Alone
Organizations must demonstrate that security is embedded across application design, data handling, and operational controls.
Difficulty determining whether an application qualifies as in-scope payment software
Unclear scope boundaries across components, interfaces, and dependencies
Gaps in application-level controls related to authentication, encryption, and logging
Limited visibility into payment data flows and trust boundaries
Pressure to remediate gaps without affecting release timelines
Challenges preparing clear evidence for PCI SSC review and listing
Our Approach
Four Types of Assessment Services
A Risk-Based Approach to PCI S3 Readiness and Validation
SISA follows a structured and PCI SSC-aligned methodology to help software vendors assess application security, close critical gaps, and move toward successful PCI S3 validation with confidence.
Determine whether the application meets the PCI S3 definition of payment software, identify in-scope components, and establish clear scope boundaries.
Review architecture, payment data flows, and trust boundaries to confirm secure handling of payment data across the application.
Evaluate application-level controls against PCI S3 requirements across secure coding, authentication, encryption, logging, and vulnerability management.
Provide practical guidance to address identified gaps while minimizing disruption to business operations and release cycles.
Support formal PCI S3 assessment activities, documentation, evidence preparation, and validation readiness for PCI SSC listing.
Service Offerings
Our services support payment software vendors and service providers across the PCI S3 lifecycle, from readiness assessments to formal validation.
PCI S3 Readiness Assessment
Secure Architecture & Design Review
Secure Development Lifecycle (SDLC) Validation
Application Security Testing
PCI S3 Validation & Certification Support
BENEFITS
Strengthen Software Security and Build Market Confidence
A strong and independently assessed application security posture
Reduced likelihood of downstream PCI DSS observations in customer environments
Improved trust with customers, partners, and regulators
Higher confidence in secure coding and software security controls
Smoother PCI SSC validation and software listing outcomes
WHY SISA
Why Leading Payment Software Vendors Choose SISA
Recognized PCI Software Security Expertise:
SISA is among the top PCI Qualified Software Assessor companies globally, with strong experience helping vendors validate and list software with PCI SSC.
Strong SDLC & Governance Expertise:
Hands-on experience aligning development practices with PCI SSLC expectations.
Business-Aligned Security Approach:
Security improvements without slowing down development teams.
Clear, Defensible Evidence:
Well-structured documentation to support PCI SSC review.
Trusted Advisor to Payment Ecosystem:
Preferred partner for banks, fintech’s, and payment software vendors.
Audit-Ready Deliverables:
Clear documentation and defensible evidence that stand up to PCI SSC review.
Want to know more?
