Apexx Global Success Story: PCI DSS compliance doesn’t need to be a Road block

Learn How UK’s Apexx Global Passed Their PCI DSS 4.0.1 Audit with Zero Obserbvations

At a Glance

• Customer: Apexx Global
  
• Industry: Payment Orchestration Platform
  
• Challenge: Address new PCI DSS 4.0.1 requirements (6.4.3 and 11.6.1) on client-side security before a Level One audit.
  
• Solution: Reflectiz PCI DSS compliance solution.
  
• Results:
  
  • Achieved 100% compliance, with zero audit observations.
    
  • Implemented in under 24 hours, with no disruption to payment flows.
    
  • Gained real-time visibility into client-side scripts, eliminating security & privacy concerns.
    

The Challenge: New PCI DSS 4.0.1 Requirements

As a UK-based payment orchestration platform handling large transaction volumes, Apexx Global is subject to Level One PCI DSS compliance, the strictest tier, requiring annual independent audits.

When Head of Information Security Deepak Kumar Ramanujam performed due diligence for PCI DSS 4.0.1, found the new payment page scripts security requirements (6.4.3 and 11.6.1).

These require organizations to:

• Maintain a complete inventory of scripts on payment pages.
  
• Continuously monitor those scripts for unauthorized changes.
  

With the March 2025 enforcement deadline approaching, Apexx needed a secure and compliant solution to meet the PCI DSS 4.0.1 obligations.

Why Reflectiz? A Strategic Fit

Deepak identified Reflectiz as a potential solution as the other solutions available in the market have cons of knowing every transaction details and Deepak has foreseen risks with privacy and security. 

Reflectiz stood out in three ways:

• Agentless Design: No access to transaction data required, eliminating security & privacy risks.
• Audit Readiness: Evidence generation aligned directly with PCI DSS 4.0.1 standard requirements & examinations.
• Rapid Deployment: A non-invasive setup promised compliance before deadlines without draining internal resources.

“One of the most important reasons we went with Reflectiz is that it doesn’t need to know transaction details”, noted Deepak. “That eliminated security & privacy concerns and third-party risk immediately.”

Implementation: From URL to Compliance in 24 Hours

The deployment was remarkably fast. Apexx provided its payment page URLs, Reflectiz handled remote setup, and within a single day, the monitoring dashboard was live, tracking every client-side script in real time.

Audit Success: Zero Observations

During the PCI Level One audit, Apexx was able to clearly demonstrate compliance:

• Examine: A real-time export of every script, with documented business justifications.
  
• Observe: A live dashboard showing instant detection of unauthorized changes.
  
• Interview: A clear, evidence-backed process for managing script risks.

Apexx was able to demonstrate the compliance with the help of reflectiz for the new PCI DSS 4.0.1 – requirement (6.4.3 & 11.6.1), despite the complexity of these requirements (monitoring java scripts –  payment pages)

The Business Impact

For Apexx, success meant more than compliance:

• Speed-to-Audit: Closed a critical compliance gap months ahead of deadline.
  
• Operational Efficiency: Freed internal teams from manual monitoring or complex tool integration.
  
• Market Confidence: Maintained Level One PCI status, reinforcing trust with merchants and partners.
  

The Bottom Line

Apexx Global’s story proves that PCI DSS 4.0.1 compliance, especially the complex new monitoring of payment pages(java scripts) requirements, doesn’t need to be a roadblock. With Reflectiz, they achieved rapid deployment, audit-ready evidence, and a long-term boost in visibility and security.

For payment platforms facing Level One scrutiny, Apexx’s experience shows compliance can be both fast and future-proof.