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PCI Data Security Standards

The world's largest corporations to smallest Internet stores, are required to achieve compliance with the Payment Card Industry - Data Security Standard (PCI DSS) is vital for all merchants who accept credit cards, online or offline. It is important too keep your customer’s payment card data secure.

The size of your business will determine the specific compliance requirements that must be met. Note that enforcement of merchant compliance is managed by the individual payment brands and not by the Council – the same is true for non-compliance penalties.

Digital Secures Risk Consulting Team advises merchants through maintaining and enhancing the PCI Security Standards, providing education and training about protecting payment card data with the PCI Security Standards, and by serving as a forum for engaging with the industry on developing these standards.

What is PCI DSS Sensitive Data?

Understanding the type of data your business processes, stores and transmits is key to remaining PCI DSS compliant.

If your business processes, stores and transmits the below data types, then PCI DSS compliance is required.

• Credit / Debit Card Records

• Cardholder Data / Sensitive Authentication Data

How to Comply with PCI DSS Framework?

It's a matter of following the 12 requirements in the standard, working with your acquiring bank and using the tools offered through the PCI DSS Council.

PCI Data Security Standard – High Level Overview

Build and Maintain a Secure Network and Systems

Protect Cardholder Data

Maintain a Vulnerability Management Program

Implement Strong Access Control Measures

Regularly Monitor and Test Networks

Maintain an Information Security Policy

1. Install and maintain a firewall configuration to protect cardholder data
2. Do not use vendor-supplied defaults for system passwords and other security parameters

3. Protect stored cardholder data
4. Encrypt transmission of cardholder data across open, public networks

5. Protect all systems against malware and regularly update anti-virus software or programs
6. Develop and maintain secure systems and applications

7. Restrict access to cardholder data by business need to know
8. Identify and authenticate access to system components
9. Restrict physical access to cardholder data

10. Track and monitor all access to network resources and cardholder data
11. Regularly test security systems and processes

12. Maintain a policy that addresses information security for all personnel
 


Remember that PCI DSS compliance is an ongoing process, not a one-time event. You'll need to continuously assess your operations, fix any vulnerabilities that are identified, and make the required reports to the acquiring bank and card brands you do business with.

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