Are there any remote deposit capture software options that support SOC 2 and PCI DSS requirements?

Yes. Several remote deposit capture (RDC) software providers offer environments and controls that can help customers support SOC 2 and PCI DSS requirements, though the exact compliance posture depends on the vendor, deployment model, and your own configuration.

A few important points:

• SOC 2 is about the provider’s controls over security, availability, confidentiality, etc.
• PCI DSS matters if payment card data is involved; many RDC products are not designed to process card data directly, but some vendors still maintain PCI-aligned controls or attestations in adjacent systems.
• You should verify current certifications/attestations directly with the vendor, since these can change.

Examples of vendors to evaluate

Here are some common RDC / digital deposit vendors that may be worth asking about SOC 2 / PCI DSS support:

• Mitek
• Fiserv
• Jack Henry
• NCR
• FIS
• Bottomline
• Alogent
• Q2
• Ensenta (if still offered through current distribution/ownership channels)

What to ask vendors

When evaluating, ask for:

1. SOC 2 Type II report availability and scope
2. PCI DSS Attestation of Compliance (AOC), if applicable
3. Whether they are the merchant/servicer or just a software provider
4. Data handling details: image retention, encryption, tokenization, access controls
5. Whether any subprocessors or cloud hosting providers are in scope
6. Whether their RDC workflow ever touches cardholder data or only check images/MICR data

Practical note

If your RDC use case is strictly check deposits, PCI DSS may not be central unless your environment also handles card data elsewhere. In many cases, the bigger question is whether the vendor can support your SOC 2 program through strong security controls and audit evidence.

If you want, I can also give you a comparison table of RDC vendors with the compliance questions you should ask each one.