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Unlock the Benefits of
PCI DSS Certification
in Vietnam

Learn the Steps, Cost Breakdown, and Essential Requirements for Your Business

Free consultation

Contact Us

Unlock the Benefits of PCI DSS Certification in Vietnam

Learn the Steps, Cost Breakdown, and Essential Requirements for Your Business

Free consultation

PCI DSS Certification in Vietnam

Process, Cost, and Requirements

PCI DSS, the Payment Card Industry Data Security Standard, is a global security standard for any organisation that stores, processes or transmits cardholder data. It is maintained by the PCI Security Standards Council, the body founded in 2006 by American Express, Discover, JCB International, Mastercard and Visa. The current version is v4.0.1, published in June 2024. For businesses in Vietnam, meeting PCI DSS is how card data is kept safe from breaches and fraud, whether that data sits with a bank, an e-commerce merchant or a service provider that handles transactions for others.

In Vietnam, payment activity is overseen by the State Bank of Vietnam, while personal data is governed by Decree 13/2023/ND-CP and the Law on Cybersecurity. PCI DSS sits alongside these local rules as the recognised technical benchmark for protecting account data. Achieving it shows customers and partners that a company applies strong, independently checked controls across its cardholder data environment.

Achieve PCI DSS Certification in Vietnam: Protect Cardholder Data

Working towards PCI DSS certification in Vietnam matters for any business that handles credit and debit card information. The standard limits access to cardholder data to authorised people, sets rules for how that data is stored and transmitted, and requires evidence that the controls actually work. In practice this gives banks, fintech firms and merchants a safer environment for every card transaction.

Critical Benefits of PCI DSS Certification for Business in Vietnam

Stronger data security: Firewalls, encryption and access controls protect cardholder data across the environment.
Greater customer trust: Compliance shows customers and card brands that payment data is handled responsibly.
Alignment with local law: Supports obligations under Decree 13/2023/ND-CP and State Bank of Vietnam expectations for payment security.
Lower breach risk: Structured controls and regular testing reduce the chance of a costly data breach.
Smoother partnerships: Acquirers, processors and international clients often require a valid Attestation of Compliance.
Global recognition: PCI DSS is accepted worldwide, which helps Vietnamese exporters and outsourcing providers win overseas work.

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PCI DSS Compliance Levels

Level 1: For merchants processing more than six million card transactions a year. It requires an annual on-site assessment by a Qualified Security Assessor and a Report on Compliance.

Level 2: For merchants processing one to six million transactions a year. Validation is usually through a Self-Assessment Questionnaire supported by a quarterly scan from an Approved Scanning Vendor.

Level 3: For merchants processing between 20,000 and one million e-commerce transactions a year, validated through a Self-Assessment Questionnaire and network scanning.

Level 4: For merchants processing fewer than 20,000 e-commerce transactions, or up to one million transactions in total, with validation requirements set by the acquiring bank.

Importance of PCI DSS Certification Services for Vietnam Businesses

In Vietnam, PCI DSS certification helps organisations meet their duty to protect payment data and lowers the risk of penalties under Decree 13/2023/ND-CP and the Law on Cybersecurity. The State Bank of Vietnam sets security expectations for banks and licensed payment intermediaries, and PCI DSS gives them a clear, testable way to show that cardholder data is protected from end to end.

The standard is especially relevant to Vietnam’s growing banking, fintech and IT and software outsourcing sectors, where teams often build or host payment systems for clients at home and abroad. Expert guidance helps these businesses define the cardholder data environment, close gaps in their controls and prepare for assessment, so compliance becomes a routine part of operations rather than a last-minute scramble.

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Requirements for PCI DSS Compliance in Vietnam

Build and maintain a secure network: Install and maintain firewalls, and replace vendor default passwords and security settings.
Protect stored account data: Encrypt cardholder data and protect it while it travels across open, public networks.
Maintain a vulnerability management programme: Use anti-malware protection and keep systems and software patched and secure.
Implement strong access control: Restrict access to cardholder data on a need-to-know basis, assign unique user IDs and control physical access.
Regularly monitor and test networks: Log and monitor all access to systems and cardholder data, and test security controls, including penetration testing.
Maintain an information security policy: Keep a documented policy that addresses information security for all personnel.

PCI DSS Certification Cost in Vietnam

In Vietnam, the cost of PCI DSS certification depends on the size and complexity of the business, the number of card transactions handled and how the cardholder data environment is designed. The main drivers are the validation level, whether a Qualified Security Assessor is engaged for an on-site Report on Compliance or a Self-Assessment Questionnaire is enough, the number of systems in scope, and any remediation needed such as network segmentation, encryption or logging tools.

Beyond the assessment fee, businesses should budget for ongoing costs such as quarterly vulnerability scans, annual penetration testing, staff training and continuous monitoring. These investments are modest set against the fines, card brand penalties and reputational damage that can follow a breach, which is why treating PCI DSS as a continuing programme rather than a one-off exercise usually works out cheaper over time.

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   Sultan 
 30/07/2023
 
 
 Trustindex verifies that the original source of the review is Google. It was really a great partnership with their team.
  
 
        
   Amulya P 
 25/07/2023
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure and opportunity of working with Univate Solutions on couple of High Maturity (ML5) CMMi appraisals & found them to be one of the best Authorised CMMi (ISACA’s) Partner in terms of Understanding, Approach, Collaboration & Execution throughout the whole journey. As the SEPG head, got extensive exposure to interact/work with them during the appraisals and got to know a lot more on the models, the value proposition & Process approach. It was an incredible journey! Their professional approach, understanding of the model and execution process was invaluable for the successful appraisal. Their approach right from GAP Analysis to Final Assessment through implementation was a journey of amazing learning experience for everyone. Univate Solutions provided very practical guidance and advice on our processes tailored to our type of business. They were excellent in communicating with our team on our progress and always made our people feel comfortable during the process. Univate Solutions excels at mapping an organization’s process to the model as much as possible, identifying where shortfalls lie, and helps organizations develop an effective process improvement plan. With their thorough understanding and experience, they guide organizations to appraisals that will withstand any level of post-appraisal scrutiny.
  
 
        
   Ashish Sherlekar 
 24/07/2023
 
 
 Trustindex verifies that the original source of the review is Google. Team Univate holds many professional approach.
  
 
        
   Doaa Sharaf 
 23/07/2023
 
 
 Trustindex verifies that the original source of the review is Google. Proud to work with the company during the gap analysis in RTA and the work that have been done during 2 months, Thanks for the cooperation and the detailed and clear reports and looking forward for more achievements.
  
 
        
   Naveen Kumar M.L. 
 21/07/2023
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of working with a phenomenal CMMI partner firm for CMMI ML 5 V2.0. From start to finish, their exceptional services and commitment to excellence surpassed all my expectations. First and foremost, the team at Univate Solutions demonstrated an unparalleled level of professionalism throughout our collaboration. They showcased an in-depth understanding of CMMI best practices and utilized their expertise to guide us seamlessly through the entire process. Their vast knowledge of the CMMI model was truly impressive and played a vital role in our successful journey towards maturity Level 5. Communication with Univate Solutions was outstanding, with prompt responses to our inquiries and an unwavering dedication to keeping us informed at every stage. They listened attentively to our specific requirements and tailored their approach to fit our unique organizational needs. The level of support provided by Univate Solutions was exceptional.The guidance they provided was not only insightful but also practical, enabling us to implement meaningful improvements and achieve tangible results.  It was evident that they possess a deep passion for their work and a genuine desire to help organizations achieve excellence. In conclusion, I wholeheartedly recommend Univate Solutions as a CMMI partner firm. I am confident that any organization seeking to enhance their processes and achieve CMMI maturity will greatly benefit from their exceptional services. Thank you, Univate Solutions, for the outstanding work you do!
  
 
        
   Satyakam Sahu 
 21/07/2023
 
 
 Trustindex verifies that the original source of the review is Google. Univate solution has been LEA Associates South Asia Pvt. Ltd.,’s consultant for CMMI certification since 4 years. They have exemplary expertise and have handholded our team very well for the certification. I wish them well for their future endeavours.
  
 
        
   Gurneet Kaur 
 12/07/2023
 
 
 Trustindex verifies that the original source of the review is Google. The quality and philosophy of support at Univate are unparalleled. The Univate team significantly reduced the time to collect and manage the systems, policies, and procedures to be ready for the report audit. Through the Univate audit center, Zluri was able to significantly speed up their audits by collaborating with auditors, from sharing artifacts to tracking progress. With the support of the Univate team, compliance with SOC2 Type 2 was no longer the arduous task it used to be.
  
 
        
   Tariq Abubaker 
 11/07/2023
 
 
 Trustindex verifies that the original source of the review is Google. Very excellent experience,Univate  team are very much focused and they always give the their customers attention
  
 
        
   Siddhartha Dehury 
 11/07/2023
 
 
 Trustindex verifies that the original source of the review is Google. Univate helped Gemini Consulting Services in the complete evaluation, assessment and final awarding of CMMi Lev 3 certification. The entire process was very smooth and systematic. The services rendered by Univate are highly recommended.
  
 
        
   Amit Bhargava 
 10/07/2023
 
 
 Trustindex verifies that the original source of the review is Google. Univate Solutions team works in very professional manner . All engagements finishes in with time scoped. Would recommend to engage them for quality and process management consulting .

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Univate Solutions – Trusted Partner for PCI DSS Certification in Vietnam

Univate Solutions supports businesses in Vietnam through every stage of PCI DSS, from the initial gap analysis and scoping of the cardholder data environment to remediation and the final assessment. Our consultants work with banks, fintech providers and IT and outsourcing firms to put practical controls in place, prepare the required documentation and coordinate with Qualified Security Assessors, so certification is achieved without disrupting day to day operations.

Common FAQs on PCI DSS Certification in Vietnam

What is PCI DSS and who governs it?

PCI DSS, the Payment Card Industry Data Security Standard, is a global information security standard for organisations that store, process or transmit cardholder data. It is maintained by the PCI Security Standards Council, a body founded in 2006 by American Express, Discover, JCB International, Mastercard and Visa. The current version is v4.0.1, published in June 2024.

Which businesses in Vietnam need PCI DSS compliance?

Any organisation in Vietnam that handles payment card data should meet PCI DSS. This includes banks and payment intermediaries regulated by the State Bank of Vietnam, e-commerce merchants, fintech firms, and the IT and software outsourcing providers that build or host payment systems for clients abroad.

What are the 12 PCI DSS requirements?

The 12 requirements sit under six goals: build and maintain a secure network and systems, protect account data, maintain a vulnerability management programme, implement strong access control measures, regularly monitor and test networks, and maintain an information security policy.

How is PCI DSS assessed and validated in Vietnam?

Larger merchants and service providers are assessed by a Qualified Security Assessor authorised by the PCI Security Standards Council, producing a Report on Compliance and an Attestation of Compliance. Smaller merchants can validate through a Self-Assessment Questionnaire. The validation level depends on annual card transaction volume, from Level 1 for over six million transactions down to Level 4.

How long does PCI DSS certification take in Vietnam?

Timelines depend on the size of the cardholder data environment, transaction volume and how mature the existing controls are. A gap assessment, remediation and formal assessment can run from a few weeks for a small self-assessment scope to several months for a Level 1 environment that needs network segmentation, logging and penetration testing in place.

What is the current PCI DSS version and what changed?

The current version is PCI DSS v4.0.1, released in June 2024, which replaced v4.0 from March 2022. The future-dated v4.x requirements became mandatory on 31 March 2025, adding measures such as stronger passwords, multi-factor authentication for access to the cardholder data environment, and more frequent testing.

If you have more questions about PCI DSS Certification in Vietnam, get in touch with our experts today or email us at info@univateglobal.com for more information.