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PCI Compliance / Website Security

Payment Card Industry Security Standards Council (‘PCICo’) defines the standard for securing Personal Account Numbers (‘PAN’) and personally identifiable information (‘PII’), wherever it is located. Compliance is required of all entities storing, processing, or transmitting cardholder data. Acquiring Banks must comply with PCI and are responsible for ensuring the compliance of their merchants for all payment channels, including retail (brick-and-mortar), mail/telephone-order, and ecommerce.

Click here for Demo of the PCI ToolKit Wizard.

PCI Compliance Toolkit An interactive Web Application tool for merchants to complete the PCI DSS compliance requirements and SAQ worksheets
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Cardholder Data Security Requirements

PCI is a result of collaboration between VISA® andMasterCard®to create common industry security requirements.  Other card companies operating in the U.S. have also endorsed the Standard within their respective programs.

The PCI Requirements

  1. Install and maintain a working firewall to protect data
  2. Keep security patches up-to-date
  3. Protect stored data
  4. Encrypt data sent across public networks
  5. Use and regularly update anti-virus software
  6. Restrict access by "need to know"
  7. Assign unique ID to each person with computer access
  8. Don't use vendor-supplied defaults for passwords and security parameters
  9. Track all access to data by unique ID
  10. Regularly test security systems and processes
  11. Implement and maintain an information security policy
  12. Restrict physical access to data

How PCI Works:

Merchants are responsible for using service providers that are PCI-compliant.  VISA® orMasterCard®may impose a fine on non-compliant merchants and in severe cases bar the merchant from accepting VISA® orMasterCard®Credit Cards. 

Merchants receive protection from fines in the event of a data compromise when their merchant service provider is found to be PCI-compliant at the time of the security breach. Merchants are, however, subject to fines—up to $500,000 per incident—if they are not PCI compliant at the time of the breach.

PCI Groups Defined

Merchant Level Selection Criteria Compliance Actions:
Comply with PCI Data
Security Standards
1 More than 6 million VISA® transactions processed annually Required
2 500 thousand to 6 million VISA® transactions processed annually Required
3 Less than 500 thousand VISA® transactions processed annually Required

Validation Actions

Merchant
Level
On-Site
Security Audit
Self-Assessment
Questionnaire
Network
Scan
1 Required
Annually
  Required
Quarterly
2   Required
Annually
Required
Quarterly
3   Recommended
Annually
Recommended
Annually

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  Related Topics:
  • VISA® CISP
  • Payment Processing Security
  • PCI Requirements
  • PCI Compliance Resources
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