Regulators don't wait. Failed audits freeze partnerships. Payment processing is at risk. veratlas implements the controls and collects the evidence FinTech companies need to stay compliant, close funding rounds, and keep processing payments.
FinTech companies operate under a level of scrutiny that most software businesses never face. You handle payment data, financial transactions, or sensitive consumer records — and every stakeholder in your ecosystem expects you to prove that you're handling them responsibly.
Your payment processor requires PCI DSS compliance. Enterprise clients won't integrate without SOC 2 Type II. Investors conducting due diligence want to see documented security controls, not a slide deck with promises. And regulatory bodies — whether under PSD2 in Europe or state-level money transmitter requirements — can halt your operations if your security posture doesn't meet the standard.
A failed audit doesn't just cost time and money — it freezes partnerships, delays product launches, and can put your payment processing capabilities at risk. The cost of getting it wrong is measured in lost revenue, lost trust, and lost runway.
The window between "we should do this" and "we needed this yesterday" is shorter in FinTech than in any other sector. The time to build your security and compliance foundation is before regulators, auditors, or investors force the issue.
What's at stake
We implement the technical and organisational controls your FinTech needs — then collect and maintain the evidence that proves they work. When your auditor, investor, or regulator asks for proof, you have it.
PCI DSS v4.0
SOC 2 Type II
Investor Due Diligence
ISO 27001
FinTech companies rarely need just one certification. veratlas maps controls across frameworks so that a single implementation satisfies PCI DSS, SOC 2, and ISO 27001 simultaneously — reducing duplication, cost, and time.
PCI DSS v4.0
12 requirements · 64 sub-requirements
PCI DSS v4.0 introduced a customised approach alongside the traditional defined approach, giving FinTech companies more flexibility in how they meet security objectives. We scope your cardholder data environment, implement controls across all 12 requirement families, and prepare the evidence your Qualified Security Assessor (QSA) or Internal Security Assessor (ISA) needs.
PCI DSS readiness detailsSOC 2 Type II
Trust Services Criteria · 6–12 month observation
SOC 2 Type II demonstrates that your controls are not just designed but operating effectively over time. We implement controls against Security, Availability, Confidentiality, and Processing Integrity criteria, then continuously collect evidence during the observation period so your CPA firm has everything they need.
SOC 2 readiness detailsISO 27001
ISMS · 93 Annex A controls
ISO 27001 certification is the international gold standard for information security management. Particularly relevant for FinTech companies operating across borders or serving European enterprise clients. We implement the ISMS, deploy the Annex A controls, and prepare your environment for the Stage 1 and Stage 2 certification audit.
ISO 27001 readiness detailsWhat we do and don't do
veratlas implements controls, writes policies, and collects evidence. We prepare your environment so it passes the audit. We do not act as your certification body, QSA, or CPA firm — those are independent roles that must remain separate. If you need help finding an auditor, we're happy to assist when asked, but the selection is always yours.
Yes — but your scope is likely much smaller. Using a PCI-compliant payment processor like Stripe, Adyen, or Mollie means you've outsourced most cardholder data handling, which typically qualifies you for SAQ-A or SAQ-A-EP rather than a full Report on Compliance (ROC). You still have obligations: securing the integration, managing access controls, maintaining logs, and completing the appropriate Self-Assessment Questionnaire annually.
We assess your actual scope, determine which SAQ applies, implement the required controls, and prepare your documentation. Even a reduced scope under PCI DSS v4.0 involves meaningful security requirements that need to be properly addressed.
Yes, and it's often more efficient to do so. PCI DSS and SOC 2 share significant control overlap — access management, logging, encryption, incident response, and vulnerability management appear in both. We map controls once and apply them across frameworks, which means you're not duplicating effort or documentation.
The main consideration is timing. SOC 2 Type II requires a 6–12 month observation period during which controls must be operating. We typically recommend starting control implementation immediately, beginning the SOC 2 observation window, and completing PCI DSS assessment in parallel. This approach gets both certifications on the shortest timeline possible.
Investor due diligence for FinTech companies goes deeper than most sectors. They typically want to see: documented security policies (information security, acceptable use, incident response), evidence that controls are actually operating (not just written down), a risk register showing you've identified and are treating your key risks, proof of compliance certifications or a credible roadmap to achieving them, and your incident response plan.
The difference between a company that passes due diligence smoothly and one that stalls a funding round is usually documentation. The controls might exist, but without evidence packs, policy documents, and a clear security roadmap, investors can't verify what you're telling them. We build and maintain all of this so it's ready when you need it.
For PCI DSS — typically 60–90 days to implement all controls and prepare SAQ documentation, depending on your current state and scope. For ISO 27001 — 90 days to implement the ISMS and controls, followed by the certification body's audit timeline. For SOC 2 Type II — 90 days for control implementation, plus a 6–12 month observation period before your CPA firm can issue the report.
The fastest path starts with a Security Assessment to map your current state, followed by the 90-Day Accelerator to implement everything. If you need ongoing maintenance and evidence collection afterward, The Compliance Engine™ keeps you continuously audit-ready.
Book a 15-minute call. We'll discuss your compliance requirements, assess where you stand, and give you an honest picture of what it takes to get audit-ready.