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Enterprise Payment Routing Guide

PCI DSS

PCI DSS compliance when you route across processors

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PCI DSS still applies in full when one checkout routes to several processors; what changes is how card data is tokenized and which partner handles it. Avendo connects merchants to PCI DSS compliant processors and gateways.

Is multi-processor routing PCI DSS compliant?

It can be, when card data is handled by PCI DSS certified processors and tokenized so raw card numbers stay out of merchant systems. Avendo coordinates with PCI DSS certified processors and has a compliance framework built under PCI DSS and privacy laws including the CPRA and EU GDPR. Merchants keep their own obligations.

Definition: PCI DSS

The Payment Card Industry Data Security Standard is the security standard maintained by the PCI Security Standards Council for any organization that stores, processes or transmits cardholder data. Merchants typically confirm compliance through a self-assessment questionnaire or an assessor report, depending on volume and how card data flows.

In a routing setup, the scope question is simple to ask and important to answer: which systems ever see a raw card number?

How tokenization fits routing

Tokenization replaces sensitive card data with secure digital tokens. For routing, this matters most for subscriptions and stored cards, which must be charged through whichever processor wins the transaction. Avendo says it simplifies token management across multiple processors.

Ask how tokens are stored, whether they are portable between processors, and what happens to stored cards if a processor leaves the network.

Avendo compliance facts, as stated on its website
ProcessorsAvendo coordinates with PCI DSS certified processors
PositioningAccess to PCI DSS compliant processors and gateways
Compliance frameworkCreated under PCI DSS and privacy laws including the CPRA and EU GDPR
Framework ownerAlex Popovics, Co-Founder and CEO, a licensed attorney
TokenizationAvendo says it simplifies token management across multiple processors

For the standard itself, see the PCI SSC document library.

Back to the enterprise payment routing guide
Is Avendo PCI DSS compliant?
The service coordinates with PCI DSS certified processors, and the compliance framework was created under PCI DSS and privacy laws including the CPRA and EU GDPR. Merchants still have their own PCI obligations, typically confirmed through a self-assessment questionnaire.
How does tokenization work across multiple processors?
Tokenization replaces sensitive card data with secure digital tokens, so raw card numbers are not stored in your systems. It simplifies token management across multiple processors, which matters for subscriptions that must charge stored cards through whichever processor wins the transaction.
Who is responsible for PCI compliance in a routing setup?
Responsibility is shared. The processors and gateways handle card data within their certified environments, and the merchant remains responsible for its own checkout and systems. Ask the service which parts of card data handling sit with its partners so your compliance team can scope your assessment correctly.
What happens if one processor has an outage?
With one processor, an outage can stop checkout until it recovers. Processors such as Adyen publish status pages and system messages for this reason. In a multi-processor setup, other eligible processors remain connected. Confirm with the service how transactions are rerouted during a processor incident.
What does the Avendo dashboard show?
The dashboard gives approved merchants access to their transaction data and reports in one place, with visibility into how processors price each transaction and where each cost comes from. It is described as a plain-language view of what you are paying for.

See what routing could save on your card processing fees

Talk to the Avendo team about your checkout, volume and current rate. Avendo never bills merchants, and there is no obligation to switch.