Payment Processing System Migration
Migrate payment processing systems with full PCI-DSS compliance and zero downtime. Handle transactions, tokenization, fraud detection, and customer payment data securely.
Complete Payment Data Migration
AI securely migrates all payment processing data with PCI-DSS compliance
Transaction Data
- Payment transactions (authorized, captured, voided)
- Refund and chargeback records
- Settlement and batch data
- Transaction status and lifecycle
- Payment method details (tokenized)
- Currency and amount information
Customer Payment Data
- Tokenized card data (no raw PAN)
- Payment method preferences
- Billing addresses
- Saved payment methods
- Customer payment history
- Subscription and recurring billing
Fraud & Risk Data
- Fraud detection rules and scores
- Risk assessment data
- Blacklist and whitelist entries
- Velocity checks and limits
- 3D Secure authentication data
- Fraud case history
Gateway Configuration
- Payment gateway settings
- Merchant account configurations
- Routing rules and fallbacks
- Currency and payment method support
- Fee structures and pricing
- Integration credentials (encrypted)
Compliance & Audit Data
- PCI-DSS audit logs
- Transaction audit trails
- Compliance reports
- Security event logs
- Access control records
- Regulatory reporting data
Reconciliation Data
- Settlement reports
- Bank reconciliation data
- Fee and commission records
- Dispute and chargeback tracking
- Payout schedules
- Financial reporting data
4-Phase Migration Timeline
Complete in 3-4 weeks vs 4-8 months traditional
Phase 1: Security Assessment & Planning
- AI analyzes payment system architecture and data volumes
- Identifies sensitive data: card tokens, transaction history, fraud data
- Validates PCI-DSS compliance requirements (SAQ A, A-EP, D)
- Plans tokenization strategy for card data migration
- Defines zero-downtime migration approach
- Creates security and compliance documentation
Phase 2: Secure Data Preparation
- Sets up PCI-DSS compliant target environment
- Migrates payment gateway configurations (encrypted)
- Migrates tokenized card data (no raw PAN exposure)
- Migrates historical transaction data with encryption
- Validates data integrity and tokenization accuracy
- Tests payment processing in sandbox environment
Phase 3: Live Migration with Dual Processing
- Enables dual processing: transactions to both systems
- Migrates fraud detection rules and risk data
- Migrates customer payment methods and preferences
- Continuous synchronization of new transactions
- Validates transaction accuracy and fraud detection
- Runs parallel processing for validation period
Phase 4: Cutover & Compliance Validation
- Switches primary payment processing to new system
- Maintains old system as backup for 30 days
- Validates all payment flows and transaction processing
- Confirms PCI-DSS compliance with QSA validation
- Trains staff on new payment system
- Decommissions old system after validation period
PCI-DSS Compliance During Migration
| Requirement | AI Implementation | Validation |
|---|---|---|
| Protect stored cardholder data | Tokenization + AES-256 encryption, no raw PAN storage | Automated scan |
| Encrypt transmission of cardholder data | TLS 1.3 for all data in transit | Network scan |
| Maintain vulnerability management | Automated security patching and scanning | Quarterly scan |
| Implement strong access control | Role-based access, MFA, least privilege | Access audit |
| Monitor and test networks | Real-time monitoring, intrusion detection | Log review |
| Maintain information security policy | Automated policy enforcement and documentation | Policy review |
People Also Ask
How is card data migrated securely?
AI never handles raw card numbers (PAN). All card data is tokenized before migration, meaning only secure tokens are transferred. The migration uses AES-256 encryption for data at rest and TLS 1.3 for data in transit. Token mapping is maintained to ensure customers can continue using saved payment methods. This approach is fully PCI-DSS compliant and eliminates the risk of card data exposure.
Can payment processing be migrated with zero downtime?
Yes. AI uses dual processing where transactions are sent to both old and new payment systems simultaneously for 1-2 weeks. This ensures zero transaction loss and zero downtime. The cutover happens instantly by switching the primary processor, with the old system maintained as backup for 30 days. This approach has been proven with systems processing 100K+ transactions per day.
What about fraud detection rules and data?
AI migrates all fraud detection rules, risk scores, blacklists, velocity checks, and 3D Secure data. It converts rules between different fraud systems (Stripe Radar, Braintree, custom rules) and maintains historical fraud case data. The migration preserves fraud detection accuracy and ensures no gaps in protection during the transition.
How long does payment system migration take?
AI completes payment system migrations in 3-4 weeks compared to 4-8 months with traditional methods. The timeline includes 3-5 days for security assessment, 1 week for data preparation, 1-2 weeks for dual processing, and 3-5 days for cutover and compliance validation. The actual cutover happens instantly with zero downtime.
Is PCI-DSS compliance maintained during migration?
Yes. AI ensures full PCI-DSS compliance throughout the migration. It uses tokenization for card data, AES-256 encryption for sensitive data, TLS 1.3 for data in transit, maintains complete audit trails, implements strong access controls, and provides automated compliance documentation. The migration can be validated by a QSA (Qualified Security Assessor) for PCI-DSS certification.
Migrate Your Payment System Securely
PCI-DSS compliant, zero downtime, zero transaction loss. Complete in 3-4 weeks.