Card acceptance and PCI compliance: flexibility, control, and data ownership

Organized on 21 May 2026 07:00 AM PDT / 10:00 AM EDT / 04:00 PM CET

Daniela Ceobanu

25 May 2026 / 5 Min Read

Most teams approach card acceptance solely through the lens of compliance.

What they often don't realise is that these architectural decisions have consequences far beyond compliance: PSP lock-in, orchestration limitations, and no ownership of card data.

Whether you're a merchant accepting payments directly or a service provider supporting card flows for others, the same six architectures are on the table. However, they each offer varying levels of flexibility, control, and data ownership.

Join Shane Curran (Evervault CEO), Shane Peden (Aprio Partner, Risk Advisory and Assurance Services), and Masha Cilliers (Payment Industry Expert, iNED, Board Advisor), for a review of each architecture, the trade-offs that come with them, and how the picture shifts depending on whether you're attesting as a merchant or a service provider.

This session is designed for leadership, product, and engineering teams who are building or modernising card acceptance.
Watch now for a clear framework to choose the architecture that fits your business, not just your compliance team.

Agenda

How architectural decisions shape PCI scope, vendor lock-in, and ownership of card data
A framework for evaluating card collection methods by scope, control, flexibility, and data ownership
Why multi-PSP routing depends on getting your architecture right from day one
What changes when you're attesting as a merchant or a service provider

Presenters

Shane Peden

Partner, Risk Advisory and Assurance Services / Aprio

Masha Cilliers

Payment Industry Expert, iNED, Board Advisor [Moderator]

Shane Curran

Founder & CEO / Evervault

Keywords:

PCI compliance Payment infrastructure Payment security card acceptance merchants

Countries:

World

The Paypers is a global hub for market insights, real-time news, expert interviews, and in-depth analyses and resources across payments, fintech, and the digital economy. We deliver reports, webinars, and commentary on key topics, including regulation, real-time payments, cross-border payments and ecommerce, digital identity, payment innovation and infrastructure, Open Banking, Embedded Finance, crypto, fraud and financial crime prevention, and more – all developed in collaboration with industry experts and leaders.