Retrypay
auto_awesome Hotels — PCI Compliance

PCI DSS compliance without operational friction.

Retrypay reduces your property's PCI scope by up to 80% through network tokenization, encrypted vault, and operation outside the certified environment. Your staff keeps operating as they do today; critical scope is no longer yours.

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Network tokenization by default

Visa Token Service and Mastercard MDES from day one. The PAN never reaches the PMS, the booking engine, or the revenue manager's email. Tokens only.

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Vault PCI Service Provider Level 1

Cardholder data lives exclusively in Retrypay's vault. Annual shared AoC, signed responsibility matrix, documented SAQ reduction for the hotel.

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Optional P2PE terminals

Fleets of certified P2PE terminals (Ingenico, PAX) for even greater scope reduction at check-in and F&B. Hardware included in the premium module.

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Pre-built documentary evidence

Policies, flow diagrams, control matrix, quarterly ASV scan evidence, and annual pentest ready to hand to your hotel or chain's QSA.

The segment's pain

PCI DSS v4.0.1 came into force on March 31, 2025 with significantly stricter requirements: Req 6.4.3 (inventory and continuous monitoring of scripts on payment pages), Req 11.6.1 (detection of changes in HTTP headers and scripts), Req 8.3.10.1 (mandatory multi-factor authentication for admin access to CDE), Req 12.3.1 (documented risk analysis for each customized control). For individual hotels and mid-sized chains, complying with v4.0.1 in a PMS + booking engine + physical terminal + concierge mail + sales WhatsApp environment is operationally unfeasible without specialized architecture.

Five PCI exposure vectors in hotels

1. Sales and revenue management email: daily reception of credit cards by email from OTAs, travel agents, and corporate buyers. Every message containing plaintext PAN enters the hotel's PCI scope: the mail server (on-prem or Office 365 / Google Workspace), the revenue team's endpoints, the folder where the mail is archived, the mail server's backup. Traditional remediation requires end-to-end S/MIME encryption that neither OTAs nor corporate buyers implement.

2. The PMS and its database: Opera Cloud, Cloudbeds, Mews, SiteMinder, and Stayntouch store tokens in most cases, but there are flows where PAN does touch the PMS database (mass uploads from OTA, manual folios at front desk, multi-card split payments). That transient PAN puts the PMS DB, its backups, and its replicas in scope.

3. Front desk terminals: if terminals are not P2PE certified, the PAN decrypts inside the hotel's perimeter, exposing the LAN, the staff WiFi, the domain controller, and front desk workstations.

4. The booking engine and the website checkout: if checkout does not use direct tokenization (hosted fields or PSP iframe), the PAN passes through the booking engine's web server, its logs, its CDN, its WAF. With v4.0.1's Req 6.4.3 and 11.6.1, any third-party script loaded on the payment page (analytics, chatbots, marketing pixels) enters mandatory inventory.

5. Sales WhatsApp and direct communication: the direct sales channel where the concierge or revenue agent requests card details by message is the most hidden vector. Every screenshot, every exported chat history, every backup of the agent's mobile device contains plaintext PAN.

What a poorly contained scope costs

  • Annual QSA audit: USD 25K – 80K for mid-size hotels, USD 80K – 200K for chains.
  • Post-finding remediation: USD 50K – 400K per identified gap (at-rest encryption, network segmentation, enterprise MFA, centralized logging).
  • Breach fine: USD 5,000 – 100,000 monthly from discovery until certified remediation; per compromised card USD 35 – 65 in fees; and potential suspension of the merchant ID by Visa/MC networks.

What you get with Retrypay

Retrypay reduces the hotel's critical scope to a minimal perimeter:

  • PAN never touches hotel systems: capture in the Retrypay vault's hosted fields, immediate tokenization, token returned to the PMS/booking engine.
  • Vault PCI SP Level 1 operated by Retrypay: cardholder data resides in certified infra, with quarterly ASV scans, annual pentest, proven DRP/BCP, immutable logs.
  • Signed shared responsibility matrix with the hotel and the chain (if applicable), specifying exactly which controls belong to each party.
  • Alternative channel for card ingestion via email/WhatsApp: secure payment link replacing the plaintext PAN send. The guest receives a unique link, pays via Retrypay's tokenized page, and the hotel receives confirmation without ever seeing the PAN.
  • Optional P2PE terminals (Ingenico Lane/5000, PAX A920 Pro) as a premium module with hardware included for scope reduction at F&B and in-person check-in.

Illustrative case

180-key boutique hotel, independent group. Pre-Retrypay scope: 14 systems in CDE, 4 network segments, 45 endpoints with justifiable access. Annual SAQ-D. Post-Retrypay (6 months):

  • Systems in CDE: from 14 to 3 (-78%).
  • Network segments: from 4 to 1 (-75%).
  • Endpoints with justifiable access: from 45 to 8 (-82%).
  • SAQ reduced to SAQ-A.
  • Annual QSA audit cost: from USD 55K to USD 12K (-78%).

Compliance deliverables

Retrypay delivers your QSA a complete audit-ready package:

  • Updated Service Provider Level 1 AoC.
  • Signed shared responsibility matrix.
  • Updated data flow diagram.
  • Quarterly ASV scan evidence.
  • Annual pentest evidence.
  • Script inventory (Req 6.4.3 v4.0.1).
  • Change detection reports (Req 11.6.1 v4.0.1).

Has your QSA already asked for additional evidence?

In 30 minutes we understand your current scope and deliver the specific reduction map for your property or chain.

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