Client Overview

Z-Credit is a rapidly growing FinTech company providing digital payment solutions and credit management services across multiple geographies. With increasing transaction volumes and partnerships with banks and financial institutions, Z-Credit needed to demonstrate strong compliance and security to scale further.

Challenge

As a FinTech handling sensitive cardholder data, Z-Credit faced:

• ➔ Regulatory Pressure: Requirement to achieve PCI DSS certification to work with banks and payment processors.
• ➔ Tight Timelines: Needed compliance within 90 days to avoid delays in partnerships and funding approvals.
• ➔ Complex Infrastructure: Mix of cloud-based systems and in-house applications without standardized security controls.
• ➔ Resource Gaps: The Internal IT team lacked PCI DSS expertise for gap remediation and audit preparation.

Cloud Patrons’ Approach

Cloud Patrons designed a 90-day PCI DSS readiness program tailored to Z-Credit’s environment:
Phase 1: Gap Assessment (Days 1–15)

• ➔ Conducted a comprehensive PCI DSS gap analysis against the 12 requirements.
• ➔ Identified risks such as weak access controls, incomplete logging, and a lack of encryption for stored cardholder data.
• ➔ Delivered a prioritized remediation roadmap.

Phase 2: Remediation & Hardening (Days 16–60)

• ➔ Implemented encryption at rest and in transit using AWS KMS and TLS 1.2.
• ➔ Deployed centralized SIEM logging & monitoring for incident response.
• ➔ Applied network segmentation & firewall policies to protect the cardholder data environment (CDE).
• ➔ Rolled out multi-factor authentication (MFA) for all privileged accounts.
• ➔ Trained Z-Credit’s employees on security awareness & compliance responsibilities.

Phase 3: Validation & Certification (Days 61–90)

• ➔ Conducted Vulnerability Assessment & Penetration Testing (VAPT).
• ➔ Coordinated with an Approved Scanning Vendor (ASV) for external scans.
• ➔ Worked alongside a Qualified Security Assessor (QSA) to prepare the Report on Compliance (ROC).
• ➔ Delivered final Attestation of Compliance (AOC) enabling certification.

Results Achieved

• ➔ PCI DSS Certification achieved in 90 days – ahead of regulatory deadlines.
• ➔ 30% stronger security posture with encryption, logging, and access control improvements.
• ➔ Zero audit observations during final QSA review.
• ➔ Enhanced customer trust – enabling new partnerships with banks & payment providers.
• ➔ Future-ready compliance framework – Z-Credit now maintains continuous monitoring and quarterly scans.

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Client Testimonial

Cloud Patrons has provided Z-Credit with exceptional DevOps services. Their expertise and tailored solutions have greatly enhanced our operational efficiency and reliability. We appreciate their commitment and recommend their top-notch services to others seeking professional DevOps support.

Moran Rozenberg
CTO & Co-Founder, Z-Credit