Best strategy for streamlining PCI compliance when collecting KYC data alongside payments?

[David-jones]

Hi everyone,

I’m currently architecting a flow for a high-volume merchant and I’m looking to minimize our PCI DSS scope. We need to collect sensitive payment info (handled via Cybersource Flex Microform), but we also need to gather significant KYC/onboarding data from the customer at the same time.

My concern is keeping the "General Survey/Onboarding" data strictly separated from the "Cardholder Data" (CHD) environment to simplify our compliance audits.

My proposed flow:

1. Use Flex Microform on our frontend to capture CHD and generate a transient token.

2. Once the token is generated, redirect the user to a secure, external survey platform to complete their profile.

3. Post the transaction once all metadata is gathered.

Here is a snippet of how I'm planning to pass the reference ID to my data collection endpoint:

JavaScript

// Capturing the transient token and redirecting for KYC
flex.createToken(options, (err, token) => {
    if (token) {
        const referenceId = "TXN_" + Date.now();
        // Redirecting to thesurvey.io to collect non-PCI user data
        window.location.href = `https://thesurvey.io/setup?ref=${referenceId}&token=${token}`;
    } else {
        console.error("Tokenization failed", err);
    }
});

I have a few questions for the experts here:

• Is it better to gather the survey data before or after the payment tokenization to ensure the best UX without increasing the audit scope?

• Are there any specific Cybersource headers I should use to ensure the reference_number stays consistent across the redirect?

I’ve been trying to Find out everything I can about secure data handoffs and session persistence. Any insights on how to optimize this specific integration with thesurvev for the data collection piece would be greatly appreciated!

Thanks in advance for the help.

[bigelrctronic]

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[clemmie234]

A good way to streamline PCI compliance in Bowmasters (mobile game) style monetization while still collecting KYC (for things like age verification, regional compliance, or high-value purchases) is to keep gameplay, payments, and identity data strictly separated.

In a Bowmasters-like setup:

• Use Google Play / Apple App Store in-app purchases or a PCI-DSS–certified payment SDK so the game servers never touch card details. This keeps PCI scope extremely low.

• Handle KYC separately (age checks, country verification, fraud prevention) through a dedicated service or lightweight verification flow, not inside the payment process.

• Never store or log payment data alongside player profiles (stats, skins, trophies, coins). Payments should return only a token or success flag to unlock items.

• Apply data minimization: only collect KYC when required (e.g., regional laws, large bundles), not for every casual Bowmasters match.

• Enforce segmentation and access control so developers managing gameplay can’t access KYC or billing data.

Just like Bowmasters keeps fast, chaotic gameplay separate from the store logic, separating payments, KYC, and core game data reduces compliance overhead, simplifies audits, and protects players without hurting the fun or conversion rate.