Case Study: Texas Capital Bank achieves PCI avoidance and launches a commercial card 6–9 months faster with Very Good Security

Texas Capital Bank - Customer Case Study

Texas Capital Bank (TCB), a Texas‑based commercial bank, needed to launch an in‑house commercial card quickly while avoiding the time, cost, and liability of handling sensitive card data and PCI compliance. To meet that challenge, TCB partnered with Very Good Security and used Very Good Security’s Zero Data platform to implement a PCI‑avoidant architecture.

By building the card infrastructure on Very Good Security’s Zero Data approach, TCB never touched sensitive data, stayed out of PCI scope, and avoided vendor lock‑in while retaining 100% data ownership. The solution let TCB launch months ahead of alternative builds—saving an estimated 6–9 months in time, money, and resources that were redirected to product development and growth.

Texas Capital Bank

Ramona Hall

Senior Vice President of Commercial Cards