PCI DSS 4.0 Meets Android: The New Rules Redefining Mobile Payments🔐📲

#pcidss #fintechsecurity #androidsecurity #mobilepayments

PCI DSS 4.0 introduces a major shift for mobile-first fintech. Android payment apps now require stronger security controls across the full stack — from mobile UI handling to backend infrastructure and continuous compliance operations.

What’s changing?

Continuous compliance instead of point-in-time audits
Stronger encryption and access control standards
Mobile apps treated as active security components
Tokenization-first strategy encouraged
App hardening, device integrity and runtime security

Key focus areas for Android fintech teams

No storage or logging of raw card data (PAN/CVV/expiry)
TLS 1.2+ E2E encryption and secure key management
Root/emulator/hooking detection & Play Integrity enforcement
Tokenization and PCI-certified payment gateways
Automated security testing in CI/CD pipelines

Why it matters

Security is no longer a checkbox. PCI DSS 4.0 aligns compliance with modern real-world attack surfaces and sets a new baseline for trust and resilience in mobile payments.