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Thanks for the detailed reply! There is indeed a lot to do with authentication/authorization (and things like audit logging…). I’ll look more at EnvKey later to understand the cryptography better.

Stripe/other gateways do abstract most of PCI DSS from you, and will not return card data via API calls, so that somewhat sidesteps the compliance issue.

I look forward to hearing your thoughts--feel free to email me directly: dane [at] envkey.com

All the crypto/security details are here btw: https://security.envkey.com/

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