Payment Gateway Security: What PCI-Adjacent Compliance Looks Like for Nepali Businesses

Full PCI-DSS compliance is a heavy standard built for large payment processors, but the underlying principles apply to any business handling customer payment data.

Never store what you don't need

The simplest security control: don't store card numbers or wallet credentials at all. Let the payment gateway handle that, and only store the transaction reference on your side.

Server-side verification, always

Never trust a payment "success" signal sent directly from the client browser — always verify the transaction server-side against the gateway's own API before marking an order as paid.

Logging and audit trails

Keep detailed logs of every payment callback and status change for dispute resolution — when a customer claims they paid and didn't receive their order, this is what settles it quickly instead of becoming a he-said-she-said situation.

HTTPS and basic hygiene

This sounds obvious but gets missed: every page touching payment data needs HTTPS, and third-party scripts on checkout pages should be minimized — each one is a potential data exposure point.

Handling payments and want a security review? Reach out — we treat this as a first-class requirement, not a checkbox.