Compliance & Data Protection
PCI-DSS Level 1 Certified. Zero Card Data on Your Network.
Civic Digital Payments is designed from the ground up for payment security — hosted payment pages eliminate PCI scope from your infrastructure, end-to-end encryption protects every transaction, and immutable audit trails satisfy the most rigorous compliance requirements.
Canadian Municipal Compliance
Municipal & Provincial Regulations
Purpose-built for Canadian municipalities, with full alignment to federal, provincial, and municipal legislation governing public-sector data management.
International
Payment Card Industry Data Security Standard — highest level of certification. Hosted payment pages ensure zero card data touches municipal infrastructure. Annual on-site assessment, quarterly vulnerability scans, and continuous monitoring.
Ontario
Municipal Freedom of Information and Protection of Privacy Act compliance. All personal information collected during payment is handled in accordance with Ontario privacy legislation including collection limitation, purpose specification, and individual access rights.
Canada
Personal Information Protection and Electronic Documents Act compliance for electronic payment data. Cross-jurisdictional privacy protection for digital transactions including consent management, data minimization, and breach notification.
Canada
Canadian Payments Association Rule H1 for pre-authorized debit (PAD) enrollments. Proper notification requirements, variable amount authorization, and cancellation rights for all PAD-based payment arrangements.
International
Service Organization Control Type II — independent audit of security, availability, processing integrity, confidentiality, and privacy controls over a minimum 6-month observation period.
International
Web Content Accessibility Guidelines Level AA compliance for payment portal — keyboard navigation, screen reader support, high-contrast mode, and clear error messaging for all checkout flows.
International
Cloud Security Alliance Security, Trust, Assurance, and Risk assessment for cloud-hosted payment infrastructure. Comprehensive evaluation of cloud-specific security controls beyond traditional datacenter security.
“Compliance is not a feature we bolted on after launch — it is the architectural foundation every line of code is written against. Canadian municipalities deserve a platform that treats their legislative obligations as first-class requirements.”
Civic Engineering
· Platform Architecture TeamRegulatory Compliance
Industry Frameworks
Beyond municipal legislation, satisfies internationally recognized compliance frameworks.
Full PCI-DSS v4.0 compliance through hosted payment page architecture.
- Zero cardholder data on municipal network
- Tokenization for recurring payments
- 3D Secure 2.0 for cardholder authentication
- Quarterly ASV scans and annual on-site assessment
Aligned to NIST CSF across all five core functions.
- Identify (asset inventory, risk assessment)
- Protect (access control, encryption)
- Detect (anomaly detection, fraud monitoring)
- Respond (incident response playbook)
- Recover (disaster recovery, failover)
Information Security Management System aligned to ISO 27001 controls.
- Risk-based security management
- Statement of Applicability covering payment-specific controls
- Continuous improvement cycle for security posture
Implementation of CIS Controls for comprehensive security.
- Hardware/software inventory
- Secure configuration
- Continuous vulnerability management
- Controlled use of administrative privileges
- Audit log maintenance
Data Sovereignty
Canadian Data Sovereignty
All payment transaction data, settlement records, and audit logs reside exclusively in Canadian data centres. No card data stored on municipal infrastructure. Tokenized payment references stored in Canadian-hosted databases with AES-256 encryption at rest.
Hosting
Canadian Only
Centres
3 Redundant
Encryption
AES-256
Sovereignty
PIPEDA / MFIPPA
Platform Security
Security Capabilities
Click any capability to explore the technical details behind each security layer.
Auditability
Audit Trail Features
Every action is logged, timestamped, and immutable — providing the complete audit trail required by provincial legislation and municipal accountability standards.
Transaction Audit Log — Complete record of every payment event with cryptographic chaining
Configuration Change Log — All administrative changes tracked with before/after values
Access Audit Trail — User access logging with IP address and device fingerprint
Settlement Reconciliation Archive — Daily settlement records archived for 7+ years
PCI Compliance Dashboard — Real-time compliance status and evidence collection
Refund & Chargeback Audit — Complete tracking from initiation through resolution
Data Retention Compliance — Automated lifecycle management with destruction certificates
Incident Response Log — Security incident tracking from detection through resolution