receiving, by a communication interface of a centralized server, a list of security service providers associated with one or more merchants;

enabling, by a portal of the centralized server, a connection with each of the security service providers associated with the one or more merchants;

receiving, by the centralized server, security service information associated with the one or more merchants from a security service provider with connection enabled, the security service provider with connection enabled listed on the list of security service providers;

generating, by a processor of the centralized server, a security service profile for a merchant of the one or more merchants that comprises an assessment of an extent to which the received security service information meets a payment cards industry data security standard (PCI DSS);

storing, by the processor of the centralized server, the security service profile of the merchant of the one or more merchants to an electronic storage medium;

interfering, by the processor of the centralized server, with a payment transaction process involving the merchant of the one or more merchants to prevent an unsecured transaction, based on the assessment of the security service profile of the merchant indicating that the received security service information does not meet the PCI DSS; and

providing, by the processor of the centralized server, a portal allowing an interface for communication with various end users.