Reduce PCI Scope. Secure Every Payment Flow
One platform for end-to-end payment data protection. Cut PCI DSS scope and cost, reduce breach and fraud exposure, and enable privacy-preserving analytics and AI without slowing delivery.
See the TAMUNIO platformThe Reality of Modern Payments
The payments industry is transforming, but with innovation comes risk. Providers run across hybrid environments while pushing new services to market. Cardholder data moves through APIs, event streams, data platforms, and third-party ecosystems. The result is a larger attack surface, stricter Payment Card Industry Data Security Standard (PCI DSS) duties, and pressure to use data for risk, customer experience, and AI.
What’s Getting in the Way
- Data sprawl: Modern payments spreads primary account numbers (PANs) and other sensitive data across applications, logs, analytics stores, backups, and partner feeds, which creates blind spots and scope creep.
- PCI DSS v4.0: Tighter scoping, more evidence, and continuous control expectations raise audit effort and cost.
- Siloed tools: Disconnected data protection tools and key management produce inconsistent controls and slow operations.
- Modernization gaps: New payment paths and cloud adoption introduce fresh requirements to protect data across legacy and modern systems.
- Fraud pressure: When sensitive data leaks, criminals test cards, take over accounts, and create fake identities, which drives up chargebacks and losses.
How TAMUNIO Secures Payments
- A single platform that applies consistent, persistent protection across the payments lifecycle without slowing delivery.
- Secure every payment path with consistent data-centric protection through authorization, clearing, settlement, disputes, and refunds to contain exposure.
- Safely activate analytics and AI using de-identified data and governance, while maintaining data sovereignty via local data policies and approved secure compute environments.
- Deter fraud by rendering stolen data low-value, reducing card testing, and account takeover.
- Govern centrally with policy, keys, and secrets in one place, plus discovery, lineage, and assessment-ready reports.
Why Payments Leaders Trust TAMUNIO
- Data-centric by design: Protection follows the data across channels and partners, which reduces fraud opportunities and limits incident impact.
- Performance at scale: Low-latency controls built for switching and real-time payments.
- One policy everywhere: Central policy, keys, and evidence accelerate audits.
- AI-ready data without compliance risk: Train and infer on protected data; keep raw values secured.
- Proven in payments: Decades of expertise and PCI Security Standards Council partnership.
Payment Security for ACI Retail Payments Solution (RPS)
- Elevate security for BASE24 and BASE24-eps
- Ensure adequate protection of cardholder data throughout the entire payment environment
- Simplify compliance with PCI DSS v4.0
What You Get with TAMUNIO in Payments
| Capability | Customer challenge | Business outcome |
|---|---|---|
| Protect at capture | PANs and other sensitive data leak into downstream systems and logs | Smaller PCI scope, fewer in-scope systems, lower audit cost; safer sharing with cloud data platforms |
| End-to-end data protection | Gaps across the payment lifecycle | Fewer control gaps between flows; lower breach exposure; consistent enforcement across hybrid environments |
| Field level protection and role based permissions | Operators and vendors see more data than they need | Least-privilege by default; faster operations; privacy-preserving analytics and AI in cloud pipelines |
| Centralized policy, key, and secrets management | Siloed tools and policies cause inconsistency and rework | One policy everywhere; faster rollouts; governed de-protection for AI vendor use |
| Discovery and lineage | Unknown locations of sensitive data across apps, logs, and stores | Clear scope, targeted remediation, better risk decisions |
| Analytics-ready de-identification | Teams need analytics and AI without exposing raw values | Safer fraud models and customer insights; interoperable with cloud warehouses and external AI |
How a leading payments processor met PCI & GDPR with zero downtime
A cross-border processor secured tens of millions of monthly transactions by applying data-centric security across its core payment system, including HPE Nonstop. The result was full compliance with PCI DSS and the GDPR with no service disruption.
- Zero downtime on a live 24/7 network — implemented on production systems with no service impact
- PCI & GDPR compliance — sensitive cardholder data rendered unreadable wherever it’s stored or used
- Protected 30M+ transactions/month across ATM, POS, web, and mobile channels
- Fast, low-friction rollout — no source-code changes; scalable across additional systems
PCI DSS Compliance, Simplified
TAMUNIO helps payments teams meet PCI DSS v4.0 with a smaller assessment boundary, consistent data protection, and audit-ready evidence — without slowing delivery.
- Narrower scope: fewer in-scope systems and less validation effort
- Faster assessments: automated evidence and clear control mappings
- Lower cost of compliance: predictable renewals with minimal disruption
How We Map to PCI DSS v4.0
Req 3 — Protect stored account data
Replace primary account numbers with tokens, enforce retention policies, and centralize key lifecycle and access history.
Req 4 — Protect data in transit
Strong protection for data moving across networks, services, and application programming interfaces.
Req 7 — Restrict access to need-to-know
Role-based views, time-bound access, and dynamic masking to limit exposure.
Req 8 — Identify and authenticate users (MFA)
Multi-factor authentication for administrative and user access, plus governed de-tokenization approvals.
Req 10 — Log and monitor
Unified activity logs, lineage, and alerts that correlate users, data, and events for rapid investigation.
Req 12 — Governance and risk
Central policy management, scoped risk assessments, and reporting, including support for the v4.0 Customized Approach.
Next steps
Discover how TAMUNIO secures payments and powers safe analytics and AI while keeping cardholder data protected.
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