SOC 2 Cost
SOC 2 Cost for Payments
Estimate SOC 2 cost for payments teams handling cardholder data flows, payouts, and bank/vendor diligence.
Cost range and timeline snapshot
- •Typical first-year range: ~$45k–$120k depending on PCI overlap, processors, and remediation.
- •Tooling: logging/SIEM, fraud monitoring, vulnerability scanning, EDR, and ticketing.
Timeline bands
- •Readiness: 10–16 weeks if payment flows, contracts, and evidence are mapped.
- •Type I: 4–8 weeks once pentest remediation and access reviews are complete.
- •Type II: add 6–12 months observation with tighter sampling around payment systems.
Assumptions
- •Payment data or cardholder-related PII in scope; PCI alignment considered even if SOC 2-focused.
- •Pentest and remediation planned before audit start; evidence ready for walkthroughs.
- •Vendor contracts (processors, gateways, fraud tools) documented with security addenda.
Common scope
- •Payment processing flows, card/token handling, payout systems, and data stores.
- •Access control and segregation of duties for finance/engineering/support.
- •Logging/monitoring, fraud signals, and incident response processes.
Top cost drivers
- •PCI-related controls layered onto SOC 2 scope.
- •Number of processors/gateways and contract/security review expectations.
- •Pentest depth (apps/APIs) and retest cycles.
- •Vendor risk evidence for banks, payment partners, and fraud tools.
What auditors focus on
- •Logging and alerting for payment flows with response playbooks.
- •Segregation of duties between finance, engineering, and support.
- •Evidence of vendor due diligence, DPAs, and contract clauses.
- •Pentest results, remediation tracking, and retest evidence.
What changes cost most
- •New payment partners added mid-audit requiring fresh vendor reviews.
- •Delayed pentest remediation or missing retest evidence.
- •Gaps in transaction logging or alert response documentation.
Example scenarios
Gateway-only integration
Lean surface area; lower range if logging and contracts are strong.
Full-stack processor
Broader systems, more vendors, and PCI overlap push budget to mid/upper range.
Marketplace payouts
Multi-party payouts and fraud tooling add vendor reviews and sampling depth.
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