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Stay informed on PCI DSS compliance, card tokenization, European payment regulations, and security best practices. Expert articles from the PCI Proxy EU team.
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Expert Analysis & Practical Guides
Deep dives into tokenization technology, compliance frameworks, and the evolving European payment landscape, written by practitioners, for practitioners.
Digital Payments in Italy in 2025: PCI DSS, GDPR and PSD2 Together
Digital payments in Italy in 2025: overview of PCI DSS, GDPR and PSD2, who must comply with what, urgent deadlines an...
Buy Now Pay Later and PCI DSS: Who Handles Card Data in BNPL?
Buy Now Pay Later and PCI DSS: who handles card data in BNPL, how the chain of responsibility works, and how tokeniza...
PCI DSS as a Service: How It Works and What It Actually Covers
PCI DSS as a Service: what is fully delegated, what legally remains with the merchant, and a cost comparison of DIY v...
Payment Security in Europe: Why EU Data Residency Is Fundamental
Payment security in Europe and EU data residency: GDPR constraints, Schrems II implications and why keeping card data...
Subscription Business and PCI DSS: Obligations and Solutions for Recurring Billing
Subscription business and PCI DSS: how card-on-file tokenization manages recurring billing securely and compliantly w...
PCI DSS Compliance in Italy: Practical Guide for Merchants and Businesses
Guide to PCI DSS compliance in Italy: regulations, real audit costs, PCI DSS v4 deadlines and why EU data residency m...
Multi-PSP Tokenization: How to Switch Gateway Without Losing Card Data
Multi-PSP tokenization: how to switch payment gateway or acquirer without losing card-on-file data. A practical guide...
Secure Card Storage in the Cloud: How a PCI Card Vault Works
How a PCI card vault works in the cloud: technical architecture, required certifications (PCI DSS Level 1, HSM, FIPS...
How to Reduce PCI DSS Scope: A Practical Strategy in 3 Moves
How to reduce PCI DSS scope with a practical 3-step strategy: map your CDE, tokenize card data flows, eliminate unnec...
Open Banking and PCI DSS: Do You Need to Be Compliant with Account-Based Payments Too?
Open banking and PCI DSS: when the two frameworks apply, how they overlap in A2A payments and what to do with a hybri...
How PSPs Can Offload PCI Compliance to Their Merchants
PSPs can reduce their merchants' PCI burden while growing revenue. Learn how PCI Proxy enables compliance-as-a-servic...
PCI DSS for Banks and Acquirers: The Chain of Responsibility for Card Data
Acquirer PCI compliance: the PCI chain of responsibility between networks, acquiring banks and merchants. Who monitor...
PCI DSS Merchant Onboarding: What the Acquirer Asks Before Activating You
PCI DSS merchant onboarding: what the acquirer checks, which documents are required, and how tokenization speeds up t...
Payment Data Breaches: What Happens Under GDPR and PCI DSS
What happens after a payment data breach: GDPR data breach notification within 72 hours, PCI DSS data breach fines, f...
PCI DSS in the Insurance and Healthcare Sector: The Obligations Nobody Explains
PCI DSS insurance payments and healthcare: hidden obligations for insurers and healthcare providers, risks in clinica...
Strong Customer Authentication, PSD2 and PCI DSS: How They Connect
Strong Customer Authentication under PSD2 and its relationship with PCI DSS: obligations, overlaps and how tokenizati...
PCI DSS in Travel: Travel Agencies, OTAs and Online Bookings
PCI DSS in travel and tourism: obligations for travel agencies, OTAs and online booking platforms managing card data.
PCI Sandbox: How to Test Tokenization Without Real Cards
PCI sandbox environment: how to test tokenization without real card data, API flows in sandbox mode and integration b...
Tokenization SDK: Integrate PCI Proxy EU in Node.js, Python and PHP
Tokenization SDK: how to integrate PCI Proxy EU tokenization in Node.js, Python and PHP with practical examples and P...
PCI Compliant API: How to Integrate Tokenization Without Handling PANs
What a PCI compliant API means, how to integrate with PCI Proxy EU and why the developer never touches a cleartext PA...
PCI DSS for Fintech and Startups: Fast Compliance Without Blocking Go-Live
PCI DSS for fintech and startups: how to achieve compliance in days with tokenization as a service and go live withou...
Subscription Billing and PCI DSS: How to Securely Manage Recurring Payments
Subscription billing PCI DSS: why anyone managing subscriptions is in PCI scope, card-on-file tokenization and the me...
Marketplace and PCI DSS: Who Is Responsible for Vendor Card Data?
Marketplace PCI compliance: shared responsibility between platform owner and vendors, who is responsible for card dat...
PCI DSS for Hotels and Hospitality: The Hidden Risks at the Front Desk
PCI DSS hotel and hospitality: hidden risks at reception, telephone MOTO bookings, no-show guarantees and how PCI Pro...
PCI DSS for Retail: Obligations for Physical Stores and How to Reduce Them
PCI DSS for retail and physical stores: which requirements apply, the risks of POS terminals and how to reduce compli...
Switching PSP Without Losing Card Data: How Portability Works
Payment data portability: how to migrate tokens when switching PSP or acquirer, without re-asking customers for card...
Cardholder Data Protection: PCI DSS Obligations and How to Comply
Cardholder data protection: which data falls within PCI DSS scope, storage obligations and how tokenization eliminate...
HSM in Payments: What Is a Hardware Security Module and How It Protects Card Data
What is an HSM in payments, how FIPS 140-2 certification works, and why a token vault with a dedicated HSM is fundame...
Network Tokenization vs Payment Tokenization: The Differences That Matter
Network tokenization vs payment tokenization: technical differences between Visa Token Service, Mastercard Digital En...
What Is a PCI DSS QSA and When Do You Really Need One
What is a PCI DSS QSA, when is one mandatory, how much does it cost, and how to reduce scope to make the QSA optional...
PCI DSS Network Segmentation: Why It Is Expensive and How to Reduce It
PCI DSS network segmentation: why it costs so much, what the alternatives are and how to radically reduce your CDE wi...
PCI DSS Penetration Testing: When It Is Mandatory and How Much It Costs
PCI DSS penetration testing: when it is mandatory, how much it costs and how to reduce scope to lower the annual pen...
PCI DSS Self Assessment: Which SAQ to Complete and How to Simplify It
PCI DSS self assessment: how to choose the right SAQ, what each type requires and how tokenization reduces your compl...
Outsourcing PCI DSS Compliance: How It Works and What Remains Your Responsibility
PCI DSS outsourcing is possible but not total: what you can delegate to a certified provider and what always remains...
How Much Does a PCI DSS Violation Cost? Penalties and Real Consequences
PCI DSS violation penalties: fines from card networks, acquirer penalties, reputational damage and real costs of a da...
PCI DSS and GDPR: They Are Not the Same Thing and You Can Violate Both
PCI DSS and GDPR have different objectives but overlap on card data. In the event of a breach you can receive penalti...
PCI DSS for E-Commerce: Obligations and Solutions for Online Sellers
E-commerce PCI compliance: what accepting cards online entails, which SAQ applies and how PCI Proxy EU eliminates PCI...
PCI DSS for Small European Businesses: You Are Obligated and Probably Do Not Know It
PCI DSS for small businesses in Europe: a practical guide to understanding your real obligations and how to simplify...
PCI DSS v4: What Really Changes for Merchants in 2025
PCI DSS v4 in 2025: what really changes for merchants, which requirements are now mandatory and how to update your co...
PCI DSS v4: All New Requirements and What Changes for European Merchants
PCI DSS v4 requirements: all new controls, key changes from v3.2.1 and what European merchants and payment providers...
GDPR and PCI DSS: Differences, Overlaps and Cumulative Obligations
GDPR and PCI DSS are not alternatives: both apply to card data. Discover where they overlap and how to manage cumulat...
PCI DSS for Small Businesses: Obligations, Costs and How to Simplify
PCI DSS for small businesses: what the real obligations are, how much compliance costs and how to simplify with token...
PCI DSS Network Segmentation: How to Isolate the CDE and Reduce Scope
PCI DSS network segmentation: how to correctly isolate the cardholder data environment and reduce the scope of compli...
PCI DSS Penetration Testing: Obligations, Costs and How to Reduce the Perimeter
PCI DSS penetration testing: obligations under v4, types of test required, costs and how reducing CDE scope lowers th...
PCI DSS Merchant Levels: Differences Between Level 1, 2, 3 and 4
PCI DSS merchant levels explained: differences between Level 1, 2, 3 and 4 and what compliance obligations each requi...
Call Center PCI Compliance: Complete Guide for MOTO and Telephone Payments
Call center PCI compliance: how to handle MOTO payments without the agent hearing the PAN. DTMF and IVR solutions to...
How Payment Tokenization Works: Complete Guide
How PAN tokenization works in payments: from PAN to token, differences from encryption, token lifecycle, and benefits...
MOTO Payments and PCI Compliance: What Call Centers Need to Know
Guide for call centers: reduce your cardholder data environment with DTMF tokenization and meet PCI DSS requirements...
Cardholder Data Environment: What Is the CDE and How to Reduce It with Tokenization
Cardholder Data Environment (CDE) PCI DSS: what falls within the perimeter, maintenance costs, and how tokenization r...
Card on File Tokenization: How to Protect Card Data in Recurring Payments
Card on file tokenization for recurring payments and subscriptions: how it works, PCI DSS obligations, and how PCI Pr...
How to Reduce PCI DSS Scope with Tokenization
Tokenization and scope reduction: less burden on your cardholder data environment and PCI DSS requirements, with a si...
PCI DSS SAQ A: What It Is, Who Must Complete It and How to Qualify
PCI DSS SAQ A: what it is, who must complete it, eligibility requirements and how to qualify as a merchant.
PCI DSS Compliance Checklist: Everything You Need to Do in 2025
PCI DSS compliance checklist 2025: 8 concrete points for merchants and SMEs. How to reduce 90% of compliance tasks wi...
Network Tokenization vs PCI Proxy Tokens: What is the Difference?
Network tokens vs PCI Proxy tokens: PAN tokenization, payment gateway tokenization, and use cases in Europe.
What is a PCI Proxy and Do You Need One? Practical Guide
What is a PCI proxy, how it reduces your cardholder data environment and PCI DSS requirements. Concrete benefits for...
PCI DSS v4.0 Changes and What They Mean for European Merchants
PCI DSS v4.0 introduces 64 new requirements. Discover the key changes impacting European merchants and how to prepare...
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