Maldives' Practical PCI DSS Compliance Partner

PCI DSS v4.0.1 is now the dominant control framework for any Maldivian business processing, storing or transmitting cardholder data. Resorts processing high-value international card payments, banks handling card issuing and acquiring, payment service providers running merchant gateways, and large retailers selling to international tourists all face PCI DSS obligations driven by their acquiring banks, card schemes (Visa, Mastercard, American Express, JCB, Discover) and contractual customer demands. Non-compliance risks include card scheme fines, increased transaction fees, brand impact and in serious cases revocation of card processing privileges.

Codesecure Solutions delivers end-to-end PCI DSS v4.0.1 compliance support to Maldivian resorts, banks, payment service providers and merchants from our Chennai cyber practice, supplemented by on-island visits as required. Every engagement is delivered under a signed NDA with named consultants and transparent USD pricing. We support full PCI DSS scope across Self-Assessment Questionnaires (SAQ A, A-EP, B, B-IP, C, C-VT, D), Report on Compliance (ROC), Attestation of Compliance (AOC), ASV scanning, Requirement 11.3 internal and external pentesting and QSA audit preparation.

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PCI DSS Compliance Services in the Maldives team

PCI DSS Compliance Services in the Maldives We Deliver

Our Maldives PCI DSS portfolio covers everything a cardholder data environment owner needs:

  • PCI DSS Scoping and Cardholder Data Discovery: Comprehensive scoping of cardholder data flows, data discovery scans and segmentation review to define and minimize PCI DSS scope.
  • PCI DSS Gap Analysis: Structured gap analysis against PCI DSS v4.0.1 control objectives with prioritized remediation roadmap and effort estimate.
  • Remediation and Control Implementation: Hands-on remediation of identified gaps including segmentation, encryption, key management, secure development, vulnerability management and access control.
  • ASV Scanning Coordination: Coordination of approved scanning vendor (ASV) external vulnerability scans on the schedule PCI DSS requires, including remediation tracking between scans.
  • Requirement 11.3 Penetration Testing: Manual internal and external pentesting plus segmentation testing aligned to PCI DSS Requirement 11.3 by named OSCP consultants.
  • SAQ, AOC and ROC Preparation: Preparation of self-assessment questionnaires, attestations of compliance and report on compliance evidence packs ready for QSA review.
  • QSA Audit Support: On-island and remote support during QSA audit including evidence walkthroughs, finding response and post-audit corrective action.

Our Maldives PCI DSS Methodology

Every Codesecure PCI DSS engagement follows a proven 5-phase methodology aligned to PCI Security Standards Council guidance.

Phase 1: Scoping and Cardholder Data Discovery

Free scoping during MVT, signed NDA, fixed USD price, comprehensive cardholder data flow and segmentation discovery.

Phase 2: Gap Analysis

Structured gap analysis against PCI DSS v4.0.1 with prioritized remediation roadmap and effort estimate.

Phase 3: Remediation

Hands-on remediation of identified gaps with daily MVT working day overlap and optional on-island visits at key milestones.

Phase 4: Pre-Audit Validation

ASV scanning, Requirement 11.3 pentest, internal audit and SAQ/AOC/ROC evidence pack preparation.

Phase 5: QSA Audit Support

Hands-on QSA audit support including evidence walkthroughs, finding response and post-audit corrective action.

Why Maldivian Businesses Pick Codesecure for PCI DSS

Maldivian businesses pick Codesecure because we combine deep PCI DSS knowledge with on-island visit capability and transparent USD pricing:

  • Named senior consultants with hands-on PCI DSS v4.0.1 implementation experience
  • Excellent MVT time zone overlap, only 30 minutes from Chennai
  • On-island visits available for QSA-attended audits and PCI pentest
  • Transparent USD pricing across scoping, gap, remediation, ASV, pentest and QSA support
  • Cross-framework mapping to ISO 27001, SOC 2, brand security standards and Maldives Data Protection Act

Industries We Serve

Our Maldives PCI DSS practice supports every kind of business handling cardholder data:

  • Luxury resorts and resort management companies
  • Banks issuing or acquiring card products
  • Payment service providers and merchant gateways
  • Telecoms with payment processing
  • Tourism platforms and online travel agencies
  • Retailers, F&B and consumer brands
  • Logistics and freight forwarding with payment processing

Frequently Asked Questions

Any Maldivian business that processes, stores or transmits cardholder data is contractually obligated to PCI DSS by its acquiring bank or payment service provider. Resorts processing international card payments, banks issuing or acquiring card products, payment service providers, merchant gateways, online travel agencies handling card details, and large retailers selling to international tourists all fall in scope. The exact level of compliance (SAQ, AOC or full ROC) depends on transaction volumes and specific card scheme rules, but the underlying obligation is universal.

Codesecure publishes transparent USD price bands. A small Maldivian merchant SAQ-A program typically runs USD 4,000 to 10,000 fixed price. A mid-sized resort SAQ-D or SAQ-A-EP program runs USD 15,000 to 35,000. A bank or payment service provider full ROC program runs USD 35,000 to 100,000 depending on cardholder data environment scope, transaction volume and segmentation maturity. ASV scan subscriptions, Requirement 11.3 pentests and QSA audit fees are separate.

A typical Maldivian resort or merchant takes 4 to 8 months from kick-off to first AOC sign-off. That includes scoping, gap analysis, remediation, ASV scanning, Requirement 11.3 pentest and QSA audit. Banks and payment service providers running full ROC programs take 6 to 12 months. Codesecure compresses timelines wherever possible by running scoping, gap analysis, remediation and evidence collection in parallel rather than serial.

PCI DSS v4.0.1 is the current version effective from 31 March 2024 (with several future-dated requirements becoming mandatory in March 2025). It introduces new requirements around customised approach, targeted risk analysis, multi-factor authentication for all access into the cardholder data environment, more stringent password and cryptography requirements, enhanced phishing-resistant authentication for administrators and stronger application security testing. Codesecure's Maldives PCI DSS practice delivers v4.0.1 from day one, including the future-dated requirements.

Yes. Codesecure consultants visit Male, Hulhumale and resort properties to support QSA-attended audits, on-property pentest and key stakeholder workshops. We work alongside QSA auditors flying in from Singapore, Dubai or Colombo, providing evidence walkthroughs, finding responses and rapid remediation during the audit window. On-island visit costs are quoted transparently in the proposal.

Related Services

Cyber Services Maldives VAPT Maldives ISO 27001 Maldives Resort Cyber

Get Started Today

Book a free 30-minute PCI DSS scoping call during MVT hours. We will review your cardholder data environment, current PCI DSS posture and audit deadlines and send a fixed USD compliance proposal within 48 hours.

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Codesecure

Codesecure Solutions delivers end-to-end PCI DSS v4.0.1 compliance services to Maldivian resorts, banks, payment service providers, telecoms and merchants, with named consultants, fixed USD pricing and on-island visit capability for QSA-attended audits.

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