Philippines · Makati · Compliance

PCI DSS compliance in Makati

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Compliance, end to end
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Effivity software included
Academy training included

Who asks for PCI DSS in Makati

Banks, e-money issuers and fintech
Outsourcers handling card payments for overseas retailers

Clients include

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In short

PCI DSS compliance in Makati at a glance

Pick up a refund call for an overseas retailer and a card number may be read aloud in a Makati tower. That is how card data enters outsourcing floors, while banks, e-money issuers and fintech firms in the same district handle it by design. PCI DSS applies to anyone who stores, processes or transmits cardholder data, with requirements for network security, protecting stored data, access control, monitoring, testing and policy; validation ranges from self-assessment to an on-site assessment by a qualified assessor, depending on the card brands and acquirers involved. The Philippines page explains how the central bank refers to it. Sterling's Manila office in Makati scopes the cardholder-data environment, often shrinking it, and prepares your evidence.

Why here

Why PCI DSS in Makati

Banks, e-money issuers and fintechFirms handling card data must meet card-brand and acquirer requirements.
Outsourcers handling card payments for overseas retailersRefund and order-handling teams touch card data for clients.

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Local drivers

What drives PCI DSS in Makati

Acquirer-led: PCI DSS applies through card brands and acquiring banks; the Philippines page covers the central bank's circular, and Makati adds no rule of its own.

Requirements

What PCI DSS requires

Strip away the vocabulary and PCI DSS asks any business that stores, processes or transmits card data to comply in six areas.

You know where card data livesThe cardholder data environment is scoped, data flows are mapped and the environment is segmented where possible.

Networks are protectedNetwork security controls restrict traffic to and from systems that handle card data, and configurations are hardened.

Stored data is minimised and protectedOnly the card data you need is kept, sensitive authentication data is not retained after authorisation except under issuer rules, and the rest is protected.

Access is restricted and authenticatedAccess to card data is limited to people who need it, with unique IDs and multi-factor authentication where required.

Systems are logged and testedActivity is logged and reviewed, vulnerabilities are scanned and patched, and penetration testing is carried out.

Policies and people keep it runningSecurity policies, staff awareness, vendor management and incident response keep controls working between assessments.

The detail is on the global hub: PCI DSS explained →

How Sterling delivers

How Sterling delivers PCI DSS in Makati

Served by Sterling's Manila office in Makati, so workshops and walk-throughs can take place at your own premises. One team carries the work from scoping to sign-off.

Included in every engagement

End to end, from one team
Effivity ISO & GRC software
Preferential Sterling Academy access, with complimentary awareness training for your people
Internal auditor training for your audit team, as applicable to your standard
Vulnerability assessment on ISMS engagements

The Sterling Promise: 100% on-time completion, 100% success, 8,100+ client engagements.Sterling does not certify. Certification decisions stay with independent bodies.

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Law and accreditation

Regulations and accreditation for PCI DSS in the Philippines

The laws, regulators and accreditation route for PCI DSS apply across the Philippines, Makati included. They are set out on the country page: PCI DSS compliance in the Philippines →

Standards Makati organisations combine with PCI DSS

ISO/IEC 27001 in MakatiOften combined with PCI DSS SOC 2 in MakatiOften combined with PCI DSS Philippine Data Privacy Act in MakatiOften combined with PCI DSS

All standards Sterling delivers in Makati →

PCI DSS in Makati: questions clients ask

Why does PCI DSS come up so often in Makati?

Because banks and fintech firms issue or process cards, and outsourcers in the towers take refund and order calls for overseas retailers, which can expose card data. Any entity storing, processing or transmitting card data is in scope. The Philippines page explains the central bank's position; ask your acquirer which validation applies.

Can a Makati outsourcer reduce PCI DSS scope?

Often, yes. Scope follows where card data is stored, processed or transmitted, so techniques such as tokenisation, pausing call recording during payment, or routing payments through a validated provider can shrink the environment. Agree the approach with the client and the acquirer before relying on it.

More on PCI DSS

Next step

Start with a free discovery call

A Sterling consultant goes through your sites, your customers' requirements and your target date with you. No proposal until the scope is agreed.

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Sources

Banking, finance and business services — makati.gov.ph (accessed 8 Oct 2026)
IT-BPM and shared-services towers on the Ayala Avenue corridor — lawphil.net (accessed 8 Oct 2026)

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