Frequently Asked questions (FAQ)

Security in Digital Payments with IQ

Todo lo que necesitas saber sobre Cumplimiento en pago digitales

In the present ecosystem of digital paymentsto comply with the standards of information security is not optional: it is essential to protect the integrity of the data, prevent fraud, and ensure the confidence of your customers. In IQ Information Qualitywe respond to the most common questions about PCI DSS compliance, protection of card data, application security, ISO 27001, and more, so that you can take informed decisions and strategic about the cybersecurity of your company.

These frequently asked questions have been compiled based on over 17 years of experience accompanying banks, fintechs, payment gateways, e-commerce and technology providers in Latin America and the Caribbean. If you are looking to understand how to implement a system of regulatory compliance effective, which implies an audit PCI or how to protect your digital environment with the best practices of the industry, you are in the right place.👇

Preguntas Frecuentes

Frequently Asked Questions

Non-compliance to standards such as PCI DSS, PCI PIN, ISO/IEC 27001, or frames information security internationally recognizedmay expose you to:

  • 🚨 Security breaches involving sensitive data
  • ⚠️ Penalties, regulatory or contractual
  • 🛑 Operational restrictions or loss of certifications
  • 📉 Deterioration of the confidence of customers, partners, or purchasers
  • 💰 Legal costs, reputational and operational incidents

Adopt these standards is not only an obligation technique, it is a strategic decision to protect your operation and ensure the continuity of the business.

IQ Information Quality is a signature colombian specialty exclusively on security in digital paymentswith more than 17 years of experience in Latin america and the Caribbean.
We are certified by the PCI SSC as:

  • QSA (Qualified Security Assessor)
  • QPA (Qualified PIN Assessor)

Us apart:

  • 🧭 Enfoque imparcial: we do not sell technology or licenses
  • 🌎 Regional experience: presence in multiple countries and regulatory environments
  • 👥 Team internationally certified: QSA, QPA, CISA, CISSP, CISM
  • 📢 Direct communication, and custom tracking
  • 🔄 Tailored solutions the size, maturity and role of each customer

We accompany organizations in the standards compliance, PCI DSS and PCI PIN, with strategies adjusted to the operational context of each actor in the ecosystem of payments.

🔐 PCI DSS – the Protection of card data

We validate your controls to protect transactions face-to-face and non-face-to-face, in accordance with the requirements of the standard.

  • GAP PCI DSS – We evaluate your current situation with priority focus in front of the PCI requirements
  • Pre-assessment– Evaluate your situation in front of the PCI requirements applicable
  • SAQ A PCI DSS – Support in the selection and completion of the SAQ right (SAQ/AOC), based on validation of evidence.
  • Reduction of scope of PCI – Strategies to limit the exposure of data
  • Validation in third – Evaluation to suppliers that process data card
  • Tokenization: We evaluate or suggest ways to remove the BREAD from the environment
  •  3D Secure – Solutions to protect data and authenticate users in digital payments, reducing risk and improving compliance

🔑 PCI PIN – Protection of data of PIN

We help to meet the technical requirements of safety PIN, both physical and digital.

  • GAP-PCI PIN – Preliminary assessment
  • Evaluation officer PCI PIN – Validation complete with technical approach
  • Implementation (Phase I, II, III) – Accompaniment controls complexes
  • Third-party validation – Evaluation of providers that handle PIN

Action plans – Closure of findings subsequent to the audit

We offer a complete portfolio of services that strengthen the digital safety of our customers, beyond regulatory compliance.

⚙️ Gestión de Vulnerabilidades

We identify, validate and mitigate risks before they become incidents.

  • Ethical Hacking – Simulation of controlled attacks
  • Penetration testing (internal and external) – Technical verification of actual exposure
  • Vulnerability scanning – Automation and continuous analysis
  • Social engineering – Simulations of phishing, vishing attacks and face-to-face

🛡️ Application security

We validate the safety of your applications from the code to the execution.

  • Secure code review – Identification of errors and vulnerabilities
  • Web Scan – Automated scanning of web applications
  • Penetration testing in apps – Logical evaluation and technical security

🔒 Information security

Strengthen your ISMS according to the main international standards.

  • GAP ISO 27001 – Diagnosis compared to the standard
  • Risk assessment – Identification and prioritization of threats
  • Implementing ISO 27001 – Design, documentation and deployment of the ISMS
  • Internal audit ISO – Check prior to the certification
  • Personal data – Compliance with Habeas Data, GDPR and other regulations
  • Transition to ISO 27001:2022 – Support migration from previous versions

🎓 Technical training and Executive

We train your teams to operate safely and comply with standards.

  • Ongoing PCI DSS v4.0 – Training in technical compliance and documentary
  • Course ISO 27001 – Implementation and maintenance of the ISMS

Course Development Software assurance – Good practice for devs and QA

We work with all the actors that are part of the ecosystem of digital payments, understanding your role, risks and regulatory obligations.

💼 Segments we serve:

  • Financial: banks, issuers, acquirers, processors
  • Technology: fintechs, data center, SOCs, payment gateways, call centers
  • Trade and consumption: e-commerce platforms, insurance companies, loyalty programs
  • Emerging payments: private cards, money orders, instant payments, payments, P2P, open banking, BNPL (Buy now, pay later”)

🧩 Each type of organization has unique challenges. Our approach is tailored to ensure compliance without slowing your operation.

  • We are the only signing colombian certified as a QSA and QPA by the PCI SSC
  • 💧 We have more than 17 years of experience security of payments in Latin america and the Caribbean
  • 🧠 Our team has global certification in security and compliance digital
  • ⚖️ We provide a impartial approach and strategic
  • 📋 We integrate timelines, tracking, and direct support in all the process

🔒 Rather than comply, we ensure that safety accompanies your growth.

We hope that this section of frequently asked questions you have provided clarity on the challenges, regulations and good practices in the security of digital payments. In IQ Information Quality we are committed to assisting you in the fulfillment of standards, such as PCI DSS, PCI PIN e ISO 27001and to strengthen the cybersecurity of your organization with a strategic approach and custom.

If you still have questions, doubts or need specific guidance for your company, we invite you to schedule a free consultation with our experts. We will be happy to help you to protect your transactions and to build a digital environment more secure.

How can you get started?

We offer a free consultation with one of our experts. In 30 minutes, we evaluate your situation and we propose a clear path.