deepthi sIndia lost over ₹4,000 crore to digital payment fraud in FY2025, with card and online transactions driving most cases. According to recent RBI annual reports, Card and internet-based transactions accounted for 80.6% of all reported fraud cases in 2024.
For retail and e-commerce teams, the practical challenge is manual scans, scattered evidence, a growing PCI scope, and last-minute audit panic.
Modern PCI DSS compliance software addresses this through automation, continuous monitoring, and centralised audit readiness, helping businesses stay compliant without disruption.
This blog breaks down the Top 10 PCI Compliance Software in India for 2026.
PCI DSS 4.0 India Update: Why 2026 Compliance Matters
PCI DSS 4.0 is now mandatory, and for Indian businesses, non-compliance can mean heavy RBI penalties, even fines up to ₹5 crore, along with reputational damage.
The 12 core requirements still focus on securing networks, encrypting card data, restricting access, monitoring systems, and regular testing.
But v4.0 raises the bar with mandatory multi-factor authentication (MFA) for all access to card environments and targeted risk analysis, making compliance continuous rather than annual.
For retail and e-commerce companies, manual processes won’t keep up.
Automation and continuous monitoring are now essential to stay audit-ready and avoid last-minute chaos.
Top 10 PCI Compliance Software in India 2026
Indian organisations managing cardholder data are shifting to automated PCI DSS compliance software that supports PCI DSS 4.0 requirements. Below are the leading pci compliance tools used across India.
1. Mitigata
Mitigata delivers independent PCI DSS v4.0.1 implementation and compliance readiness services to help businesses establish, maintain, and validate full PCI compliance.
From gap assessment and remediation planning to continuous monitoring and audit support, Mitigata ensures your cardholder data environment stays secure, aligned with PCI DSS requirements, and audit-ready at all times.
Key Features:
- Built-in Automated GRC Platform: Mitigata’s in-house GRC platform centralises PCI DSS compliance, risk, and audit management in one system.
- Continuous Compliance Alignment: Automatically updates controls and documentation as PCI DSS requirements evolve.
- Automated Evidence Collection: Gathers and maps audit evidence to PCI DSS controls without manual tracking.
- Real-Time Gap Detection: Instantly flags PCI compliance gaps so teams can remediate before audits.
- Centralised Dashboard Visibility: Provides a single view of PCI scope, risks, controls, and audit status.
- Control Lifecycle Tracking: Tracks every PCI task and control from assignment to completion with clear accountability.
- Integrated Risk Management: Links PCI DSS risk assessment directly with control monitoring and reporting.
- Audit-Ready Reporting: Generates structured PCI DSS reports aligned with QSA expectations.
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2. ManageEngine
A strong choice for Indian enterprises that need log monitoring and user access tracking. It collects system logs, sends alerts, and creates audit-ready PCI reports. It works well for banks, NBFCs, and large retailers preparing for PCI DSS 4.0 audits.
Key Features:
- Centralised log management aligned with PCI DSS software
- Real-time monitoring for pci compliant applications
- Automated reporting mapped to PCI DSS audit
- Built-in alerts for suspicious activity and policy violations
- Support for PCI DSS vulnerability scanning visibility
- Control tracking aligned with PCI DSS scanning requirements
- Structured dashboards supporting PCI DSS risk assessment
3. Sprinto
Best suited for startups and SaaS companies that want automation. It connects with 200+ cloud tools and automatically collects compliance evidence. The dashboard shows control status clearly, making audit preparation simple and organised.
Key Features:
- 200+ integrations for automated evidence collection
- Continuous pci compliance scan tool monitoring
- Automated PCI DSS compliance scan tracking
- Built-in PCI DSS audit checklist workflows
- Ongoing pci risk assessment tracking
- Control mapping aligned with pci dss quick reference guide
- Dashboard for real-time PCI DSS vulnerability scanning
- Support for cloud-based pci compliant applications
4. SISA InfoSec
SISA combines advisory and technology under PCI DSS Compliance Services India, serving banks and large enterprises. An Indian QSA firm offering PCI advisory and forensic services. It supports businesses with audit preparation, breach response, and compliance monitoring.
Key Features:
- Advanced pci scanning tools for enterprise environments
- Forensic investigation integrated with PCI DSS audit
- Automated PCI vulnerability scan management
- Structured PCI DSS risk assessment documentation
- Compliance tracking aligned with PCI DSS 4.0
- Managed PCI DSS compliance software platform
- Support for regulatory reporting in India
- Integrated breach detection for payment systems
5. Scrut Automation
Scrut is popular among startups looking for modern pci compliance software with real-time controls. It continuously monitors, controls, and flags gaps early. Their focus on unifying cloud security posture management (CSPM) with compliance makes them a dual-threat tool for CTOs.
Key Features:
- Continuous monitoring aligned with PCI DSS compliance software
- Automated PCI DSS compliance scan alerts
- Control mapping for PCI DSS audit checklist
- Centralised evidence collection dashboard
- Automated pci risk assessment tracking
- Integration with cloud infrastructure
- Real-time reporting aligned with PCI DSS scanning requirements
- Simplified documentation for PCI DSS 4.0
6. Vanta
Vanta offers bundled compliance coverage, including SOC 2 and PCI DSS software for growing companies. A global compliance platform used by tech companies. It bundles SOC 2 and PCI compliance into a single system and integrates easily with cloud environments. Suitable for companies working with international clients.
Key Features:
- Unified compliance dashboard for multiple frameworks
- Automated PCI DSS compliance scan workflows
- Continuous monitoring for pci compliant applications
- Prebuilt policy templates aligned with PCI DSS 4.0
- Audit-ready documentation for PCI DSS audit
- Risk tracking for PCI DSS risk assessment
- Cloud-based control automation
- Integration with third-party pci scanning tools
7. SecurityMetrics
SecurityMetrics is known for affordable scanning and merchant-focused pci compliance tools. Known for affordable PCI scans and 24/7 support. It focuses on vulnerability scanning and simplified compliance reporting. A good option for small retailers and e-commerce businesses.
Key Features
- Dedicated pci vulnerability scan platform
- Automated PCI DSS scanning tools for small businesses
- Guided PCI DSS audit checklist support
- Merchant-focused PCI compliance scan tool
- 24/7 monitoring aligned with PCI DSS standards
- Support for self-assessment questionnaires
- Real-time scan remediation tracking
- Clear reporting aligned with PCI DSS scanning requirements
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8. Alert Logic
Alert Logic combines managed detection and response with PCI DSS compliance software. Combines managed detection and response with PCI monitoring. It watches systems continuously and alerts teams about threats. Works well for companies that want security monitoring and compliance together.
Key Features:
- Integrated MDR with pci compliance software
- Continuous PCI DSS vulnerability scanning
- Log monitoring aligned with PCI DSS 4.0
- Threat detection for cardholder environments
- Automated reporting for PCI DSS audit
- Risk-based pci risk assessment dashboards
- Cloud and hybrid infrastructure coverage
- Compliance visibility across payment systems
9. Drata
Drata focuses on automated evidence collection and AI-driven compliance workflows. It collects evidence automatically and keeps controls updated in real time. Useful for SaaS and cloud-first companies.
Key Features:
- AI-supported PCI DSS compliance scan tracking
- Continuous monitoring dashboards
- Automated PCI DSS audit checklist mapping
- Evidence collection for pci compliant applications
- Built-in pci risk assessment tools
- Integration with cloud and DevOps systems
- Real-time alerts aligned with PCI DSS 4.0
- Simplified documentation export
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10. Qualys PCI
Qualys is widely recognised for vulnerability management and enterprise-grade PCI DSS software. It performs regular scans, tracks risks, and provides detailed compliance reports. Suitable for enterprises with large IT environments.
Key Features
- Advanced PCI vulnerability scan engine
- Enterprise pci scanning tools for large networks
- Continuous PCI DSS vulnerability scanning
- Automated remediation tracking
- Integration with pci compliance tools
- Audit-ready reporting aligned with PCI DSS audit
- Risk prioritisation dashboards
- Support for PCI DSS 4.0 scanning standards
How to Choose the Right PCI DSS Software
Selecting the right tool depends on your organisation’s size and infrastructure. Follow this simple framework:
Assess Your Scope: Are you a Level 1 merchant (processing >6 million transactions) or Level 4?
Check Integration Capabilities: Ensure the software integrates with your Indian payment gateways (Razorpay, BillDesk) and cloud providers (AWS Mumbai region, Azure).
Verify Local Support: Does the vendor understand RBI guidelines and the DPDP Act? Local support is crucial during audit crunches.
Look for ‘Continuous’ Features: PCI DSS 4.0 demands continuous monitoring. Avoid tools that only offer static, point-in-time snapshots.
Budget for Growth: Choose a platform that scales. Switching compliance tools mid-growth is costly and risky.
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Conclusion
Continuous, structured, and regular PCI vulnerability scan management is now an ongoing responsibility rather than an annual task.
Choosing the right PCI DSS compliance software helps reduce audit pressure, simplify your PCI DSS audit checklist, and stay aligned with updated PCI DSS scanning requirements.
However, software is only one piece of the puzzle. True resilience comes from combining robust compliance tools with comprehensive risk transfer mechanisms.
Contact Mitigata to strengthen your PCI compliance before your next audit cycle begins.
akshit k
areena g