PCI refers to the Payment Card Industry Data Security Standard (PCI-DSS).
PCI-DSS is a set of regulatory standards for the payment card industry that is required by all the major card brands, for example, Mastercard, Visa, JCB, and Discover.
What are the benefits of complying with PCI-DSS?
- Compliance increases the security and control of cardholder data in an effort to reduce credit card fraud.
- Compliance does not guarantee breaches will never occur, but it does drastically reduce the chance of breaches occurring.
What does PCI-DSS compliance involve?
- Using equipment and systems that meet minimum technical and operational system requirements for handling cardholder data.
- Educating employees on best practices for working with cardholder data.
- Annual completion of a Self-Assessment Questionnaire (SAQ) or an on-site audit by a QSA (Qualified Security Assessor). An SAQ is a series of questions relating to how you process, store, and transmit sensitive cardholder data.
- Year round compliance, with “point in time” self-assessed validation or independent audits, based on volume of processing. In most cases, quarterly external network scans are also required.
- Penetration scans as required to attempt to discover flaws in your systems.
What do I need to think about for PCI-DSS security?
Protecting cardholder data
Cardholder data includes any payment card information you print, process, transmit, or store.
You can prevent criminals from accessing payment system networks and stealing cardholder data by using robust network security controls and network access policies.
Security vulnerabilities in your systems and applications may allow criminals to access Primary Account Numbers (PANs) and other cardholder data.
Security awareness and policy
You should have a strong security policy in place, informing your employees of their duties in relation to security. All of your employees should be aware of the sensitivity of cardholder data, and their responsibilities for protecting it. A Quality Security Assessor (QSA) or Approved Scanning Vendor (ASV) can provide you with resource materials on effective training for you to use at your own discretion.
You should physically restrict access to any data or systems that store cardholder data to those with an appropriate level of access.
There are other requirements that describe how you process payments, as well as those involving the payment application.
What are some other PCI best practices?
- Do not store any sensitive cardholder data.
- Use only approved Personal Identification Number (PIN) entry devices.
- Use a properly configured firewall on your network and computers.
- Password-protect your wireless router and use strong encryption. Do not use Wired Equivalent Privacy (WEP).
- Use strong passwords and change the default passwords on hardware and software.
- Do not share passwords between employees or use passwords more than once.
- Train your employees how to handle sensitive cardholder data securely.
How can I make sure my business complies with PCI DSS?
Call us to enroll with Aperia, our QSA, who can provide information and guidance about how to comply with PCI DSS. If you already have an account with us, you can use our Account Management tool to do the following:
- Complete your PCI compliance questionnaire
- View your compliance status
- View resources that provide more information about the PCI compliance process
For more information about how to use our Account Management tool, visit Support Guides for our Account Management tool.
|I took the survey and completed the scans, so nothing further is required of me.
||You must also maintain best practices and ensure that you do not change your procedure for handling data without confirming the new process is PCI-DSS compliant.
|My system is compliant, so I must be compliant.
||This does not mean that your business is compliant. You should consider other areas where you might be vulnerable.
||Examples of other vulnerabilities include:
- Re-direction attacks (website redirects customer to fraudulent site)
- Phishing attacks and phishing emails
- Skimmers and key loggers
|Criminals only target large businesses, so I do not have to worry about becoming a target.
||Small and medium sized businesses are a bigger target for breaches as it is easier to steal 10,000 credit card numbers from 100 smaller shops that might not notice. You typically only hear about the large breaches because those instances make the news.
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Tags: pci, card brands, compliance, pci standards, protect business, payment card industry, secure information