• Payment Gateway Security Assessment Checklist

    Use this checklist to evaluate the security controls, monitoring, and readiness of a payment gateway implementation.
  • Gateway Overview

  • Assessed Environment*
  • Assessment Date*
     - -
  • Access Control and Authentication

  • MFA enabled for admin access*
  • Shared account use*
  • Privileged access review frequency*
  • Encryption and Data Protection

  • TLS/HTTPS enforced for all connections?*
  • API keys and tokens stored securely?*
  • Only the last 4 digits of payment data visible in logs and screens?*
  • API, Webhook, and Integration Security

  • API authentication method*
  • Webhook signature verification enabled*
  • IP allowlisting or source validation in place*
  • Rate limiting or throttling configured*
  • Versioning and change control for API integrations*
  • Logging, Monitoring, and Alerting

  • Security logs retained per policy?*
  • Administrative actions logged?*
  • Transaction anomalies logged?*
  • Alerts configured for suspicious activity?*
  • Log access restricted to authorized personnel?*
  • Fraud and Transaction Controls

  • Velocity checks implemented*
  • Anomaly detection in place*
  • Chargeback monitoring enabled*
  • Manual review for high-risk transactions*
  • Card verification support enabled*
  • 3-D Secure or equivalent step-up verification used*
  • Approval and decline rule governance*
  • Incident Response and Recovery

  • Documented incident response process*
  • Security contact and escalation path available*
  • Breach containment procedures tested*
  • Backup and restore readiness for gateway-related configurations or logs*
  • Last incident or review date
     - -
  • Compliance and Review Status

  • Policy review status*
  • Remediation owner assigned*
  • Compliance readiness*
  • Overall Findings and Submission

  • Final conclusion*
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