![]() You must maintain this regularly while also scanning PAN (Primary Account Numbers) so that no unencrypted data exists.Ĥ. This data must be encrypted with certain algorithms and are put into place with encryption keys. To be PCI DSS compliant, you must ensure a two-fold protection of cardholder data. This inventory should also be accompanied with basic configurations such as changing the original password. You can ensure compliance by keeping a list of all software/devices that require passwords. ![]() These could easily be accessed by members of the public and many businesses fail to secure these vulnerabilities. Modems, routers, POS systems and all other third party products usually come with generic passwords and standard security measures. Protection of passwords through customization and unique security measures instead of default settings Due to their effectiveness in preventing unauthorized access, firewalls are required for you to be PCI DSS compliant.Ģ. Firewalls should be seen as the ‘frontline’ for data protection and they will be the first line of defense against any hacker, malicious or not. Safeguard cardholder data through usage and maintenance of firewallsįirewalls are there to block access of all unknown and foreign entities that attempt to access private data. If you would like any clarification on the information here, please visit the PCI Security Standards website.ġ2 Key Requirements for PCI Compliance 1. This will provide evidence that the merchant has completed and passed a vulnerability scan with a PCI SSC Approved Scanning Vendor (ASV), and completed and submitted the Attestation of Compliance (AOC) to your acquirer. Each level will require merchants to complete the relevant PCI DSS Self Assessment Questionnaire (SAQ). Therefore, PCI requirements depend on which level is applicable to your business. Merchant Level 4: Processing less than 20,000 transactions every year.Merchant Level 3: Processing between 20,000-1 million transactions every year. ![]() Merchant Level 2: Processing between 1-6 million transactions every year.Merchant Level 1: Processing over 6 million transactions every year.Below is a simplified, general breakdown of potential PCI DSS requirements:Īs you can see, the breakdown of PCI CSS regulations are split into four merchant levels. Achieving this will keep the data of themselves and their customers safe.Įach of the five major credit card members of the PCI SSC have their own data security standards. The one component that remains necessary across the board is for businesses to achieve 100% PCI compliance and maintain it. There are various levels of PCI compliance which depend on the amount of payments your business processes each year (12 month period). The security standards set by PCI DSS are to safeguard both your business and your customers. It is imperative that you identify any security weaknesses within your company regarding the protection of sensitive cardholder information. There are many areas where your business could have security vulnerabilities, such as operating systems and devices which hackers could use to access your company’s private network.ĭata can be stolen from many areas, including but not limited to: The requirements for becoming PCI compliant are relative to how your company operates. However, it is highly advisable that merchants who accept card payments follow the regulations set by the PCI SSC to avoid any potential data infringement and to avoid hefty non-compliance fees. ![]() Founded in 2006 by the five biggest credit card providers: MasterCard, Visa, Discover, Amex and JCB International, the Council ensures that merchants (sellers and organizations) meet the required levels of security when they store, process and transmit cardholder data.īeing PCI compliant is not a requirement by law. These PCI requirements are set by the Payment Card Industry Data Security Standard (PCI DSS) and are managed by the PCI Security Standards Council (PCI SSC). PCI compliance is the term used to ensure that you are meeting security standards when accepting payments.
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