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Built for payment fintechs

PCI DSS Gap Analysis for Payment Infrastructure That Actually Works.

Most fintechs find their compliance gaps during the QSA assessment or acquirer due diligence. By then you're looking at months of delay and six figures of rework. Know exactly where you stand - before anyone else asks.

15 minutes - No account needed - Requirement-by-requirement against PCI DSS v4.0.1

The Sync Payments Suite — 25 modules
PCI-DSS Gap Analysis
Agent Payment Simulator
IaC Generator
Cost Modeller
Architecture Validator
Secrets Auditor
Latency Profiler
Data Residency Checker
Threat Model Builder
Compliance Matrix
Service Dependency Map
IAM Policy Analyser
PCI-DSS Gap Analysis
Agent Payment Simulator
IaC Generator
Cost Modeller
Architecture Validator
Secrets Auditor
Latency Profiler
Data Residency Checker
Threat Model Builder
Compliance Matrix
Service Dependency Map
IAM Policy Analyser
Infra Readiness ScoreFree
Agentic Readiness CheckFree
Failure PlaybookFree
Settlement Reconciler
Acquirer Route Planner
Multi-Region Planner
SOC 2 Readiness
RTO/RPO Calculator
Payment Flow Designer
Load Test Planner
Event Topology Builder
Runbook Generator
FinOps Dashboard
Infra Readiness ScoreFree
Agentic Readiness CheckFree
Failure PlaybookFree
Settlement Reconciler
Acquirer Route Planner
Multi-Region Planner
SOC 2 Readiness
RTO/RPO Calculator
Payment Flow Designer
Load Test Planner
Event Topology Builder
Runbook Generator
FinOps Dashboard
25 purpose-built Sync modules for AWS payment infrastructure
Payment Risk Estimator

What Is Your Payment Infrastructure Costing You?

How many payment services does your team operate?

Count each service: gateway, tokenisation, fraud, settlement, reconciliation…

8 services
12550+
Covers gateway, fraud, settlement & reconciliationPCI DSS scope includedResults specific to your service count
Built with real banking operational experience and a practical understanding of regulated environments.
Built for fintech engineering teams preparing for QSA assessments and acquirer due diligence.
Why this exists

The Compliance Gap Nobody Warns You About

Generic AWS cost guides and cloud consultants do not understand payment infrastructure. They flag required PCI DSS headroom as waste. They miss cardholder data scoping issues that QSAs catch immediately. They do not know the difference between a security group rule that is fine and one that fails Requirement 1.

The result: most funded fintechs walk into their first QSA assessment or acquirer conversation without knowing where their gaps are. The gaps exist. They are findable. Finding them late is expensive.

3-6 months of delay

The average fintech that discovers compliance gaps during due diligence loses 3-6 months on its go-live timeline while fixes are made under pressure.

10x more expensive to fix late

Compliance remediation found during a QSA assessment costs significantly more than the same work done before the engagement starts.

Acquirer applications rejected

Barclaycard, Worldpay, and Lloyds Cardnet reject fintech applications for gaps you could have found and fixed weeks earlier.

Find your gaps now - free, no account needed
Close the gaps

Your Gap Analysis Shows Where You Are. Membership Closes the Gaps.

The free assessment tells you exactly what is broken. Membership gives you the assessments, architecture, and expert support to fix it — structured for audit scrutiny from day one.

Scope

Understand your full compliance posture

Run all 26 assessments in simulation mode. Build your evidence pack. See exactly what your QSA and acquirer will ask for — before they ask.

For teams preparing for their first QSA or acquirer conversation
Start with Scope
Most Popular
Sync

Fix your gaps with the full assessment suite

Full access to every assessment: PCI DSS gap analysis, cardholder data flow diagrams, architecture decision records, infrastructure-as-code generation, agent flow simulation, observability packs.

For engineering teams actively remediating compliance gaps
Get Sync Access
Shape

Get audit-ready with a dedicated architect

Everything in Sync plus a dedicated Solutions Architect. Monthly reviews and architect-validated artefacts your QSA and acquirer can act on.

For teams that need accountability for outcomes, not just assessments
Apply for Shape
Product tour

See the platform in action

See how SyncYourCloud helps payment teams assess readiness, identify priority gaps, and make clearer compliance and architecture decisions.

Architecture Decisions That Are Clear, Documented, and Defensible

Review compliance readiness, potential cost opportunities, critical risks, and engineering priorities in one place so each team can work from the same assessment findings.

Here is what leadership can see about the payment stack today.One view for compliance readiness, spend recovery, and engineering priorities.
Connect Payment Stack
+ New Assessment
Payment Readiness Score
32
Needs improvement before QSA review
Recoverable Spend
£12,500
Annual savings available
Critical Risks
2
Open issues blocking assurance
Executive Summary

See whether the stack is likely to pass scrutiny, where avoidable cost sits, and which architectural decisions still need evidence before launch.

High RiskCost Savings AvailableCompliance Gap
Priority ActionsTop 5
Enable MFA on Root AccountSecurity
High
Delete Unused EBS VolumesCost
Medium
Encrypt S3 BucketsCompliance
High
For CTOsInstant architecture health check
For CFOsRecover wasted spend with evidence
For EngineeringPrioritised roadmap with clear fixes
For CTOsInstant architecture health check
For CFOsRecover wasted spend with evidence
For EngineeringPrioritised roadmap with clear fixes

How It Works

Follow the assessment journey from defining your payment environment to reviewing priority gaps and organising the next actions into a practical remediation plan.

1

Scope your payment stack

Tell us about your payment model, processing footprint, PCI DSS target, delivery timeline, and engineering capacity. Your answers establish the context needed to assess your payment infrastructure and identify the areas requiring closer review.

Assessment — 21 Signals
Tell us about your payment stack
Payment Model
Gateway + ledger
Monthly Volume
£20m+
Delivery Team
11–50
Compliance Target
PCI DSS v4.0.1
Launch Window
< 3 months
5 min · No sign-in required
Next
2

Surface the blockers fast

Review the gaps that could delay acquirer approval, increase remediation costs, or expose control weaknesses before an audit. Findings are grouped by priority so your team can focus on the issues with the greatest potential impact.

Analysis Engine
147 checks across your payment stack
60s
average analysis time
Scan complete100%
Passed4
Network segmentation
KMS key rotation
Audit log retention
Encrypted data stores
Warnings2
Service-account least privilege
Secrets rotation coverage
Failed2
Automated account accountability
Break-glass MFA enforcement
Result breakdown
4 Passed
2 Warnings
2 Failed
3

Give leadership one clear view

Bring compliance readiness, cost opportunities, critical risks, and recommended actions into one operating view. Engineering, finance, and leadership can use the same findings when deciding what needs attention next.

Executive Dashboard
Your payment programme at a glance
PCI Readiness
32/ 100
Needs improvement
Recoverable Spend
£12,500/yr
Available savings
Critical Risks
2open
Blocking assurance
Priority Actions
Enable MFA on Root
Security
Fix
Delete Unused EBS Volumes
Cost
Fix
Encrypt S3 Buckets
Compliance
Fix
4

Review decisions, not just findings

Use the assessment findings to structure conversations about evidence, architecture trade-offs, and delivery priorities. This helps your team move from identifying a gap to agreeing on a practical response.

Expert Consultation
Payment architecture working session
Banking operational experience · regulated environment context
Thu
24
April 2025
60 min · Video call
Confirmed
9:00 AM
10:00 AM
2:00 PM
3:00 PM
Session agenda
PCI-DSS gap review15 min
FinOps quick wins15 min
Architecture trade-offs15 min
Audit evidence pack15 min
Every recommendation is documented and audit-ready
5

Move to a prioritised roadmap

Organise the findings into a clear remediation plan based on risk, effort, ownership, and delivery impact. Your team can see what to address first, what requires further evidence, and what can be scheduled later.

Strategic Roadmap
Prioritised, step-by-step delivery plan
Wk 1
Wk 2
Wk 3
Mo 1
Mo 2
Mo 3+
Critical Fixes
Identity, public access, urgent control gaps
Wk 1
Cost Quick Wins
Idle resources, waste, recoverable spend
Wk 2–3
Security Hardening
IAM review, encryption, detective controls
Month 1
Evidence Pack
PCI DSS evidence, audit trail, decision records
Month 2
Architecture Hardening
Resilience, scale, service boundaries
Month 3+
Complete
In progress
Upcoming
Run Your Free Gap Analysis

No account - No credit card - Results on screen immediately

Built for How Payment Infrastructure Actually Works

Most compliance assessments are built for generic cloud environments. Sync Your Cloud is built specifically for fintech payment infrastructure - which means it understands the difference between required PCI DSS burst headroom and genuine waste, what cardholder data environment scoping looks like in your architecture, and what a QSA actually checks.

6 years of banking operational experience

Not theoretical compliance knowledge. Practical experience from NatWest operations with a clear understanding of how regulated banks are governed and scrutinised.

PCI DSS v4.0.1 including Requirement 8.6

The current standard including new requirements for automated agent accounts that many compliance assessments still miss.

Built for acquirer due diligence

Output is structured the way Barclaycard, Worldpay, and Lloyds Cardnet expect to receive it - not only technically accurate, but audit-ready.

Start Free. No Account Needed.

Three assessments built for payment engineering teams. Run them before you commit to membership.

15 min - Free - No sign-in

PCI DSS Gap Analysis

Know which compliance gaps would fail your QSA assessment or delay your acquirer application - before the conversation starts.

63 controls - PCI DSS v4.0.1 - Req 8.6 for automated agents included

Run Gap Analysis
5 min - Free - No sign-in

Infrastructure Readiness Assessment

Get a scored readiness report across 7 critical layers of your payment infrastructure - and see exactly what to fix first.

Orchestration - Security - Compliance - Cost - Observability - Integration - DR

Check Your Score
15 min - Free - No sign-in

Acquirer Readiness Report

The exact checklist Barclaycard, Worldpay, and Lloyds Cardnet use in due diligence - assessed against your current posture before you apply.

AOC status - Chargeback rate - DR documentation - AML/KYC - Pen testing - Sanctions screening

Assess Your Readiness

Questions We Get Asked Before the First Assessment

Find Out Where Your Compliance Gaps Are - Free

15 minutes. No account. Requirement-by-requirement against PCI DSS v4.0.1. QSA firms can contact us for partner licensing.

Run Your Free PCI DSS Gap Analysis

Talk to an Architect Before You Commit to Anything

If you are preparing for a QSA assessment, approaching an acquiring bank, or building payment infrastructure on AWS for the first time - a 20-minute conversation costs nothing and might save you months.

  • We look at your specific gap analysis results
  • We tell you honestly which gaps matter most for your timeline
  • We recommend whether membership makes sense for where you are right now
Book a Free 20-Minute Gap Review

No sales pitch. No commitment. Just a straight conversation about your compliance posture.