PCI – DSS stands for
Payment Card Industry – Digital Security Standard. PCI-DSS is overseen by the
PCI Security Standards Council, which is “an open global forum for the ongoing
development, enhancement, storage, dissemination and implementation of security
standards for account data protection”. The PCI-Digital Security Standard
defines the requirements for service providers and merchants as it relates to
processing and managing credit card data and transactions electronically or
online.
PCI Compliance Fact
All businesses selling online MUST be PCI Compliant.
If you are processing credit cards as a part of doing sales online, you must be
PCI Compliant, regardless of sales volume.
PCI-DSS Requirements The core of the PCI DSS is a group of principles and accompanying
requirements, around which the specific elements of the DSS are
organized:
Build and Maintain a Secure Network
Requirement 1: Install and maintain a firewall configuration to protect cardholder data
Requirement 2: Do not use vendor-supplied defaults for system passwords and other security parameters
Protect Cardholder Data
Requirement 3: Protect stored cardholder data
Requirement 4: Encrypt transmission of cardholder data across open, public networks
Maintain a Vulnerability Management Program
Requirement 5: Use and regularly update anti-virus software
Requirement 6: Develop and maintain secure systems and applications
Implement Strong Access Control Measures
Requirement 7: Restrict access to cardholder data by business need-to-know
Requirement 8: Assign a unique ID to each person with computer access
Requirement 9: Restrict physical access to cardholder data
Regularly Monitor and Test Networks
Requirement 10: Track and monitor all access to network resources and cardholder data
Requirement 11: Regularly test security systems and processes
Maintain an Information Security Policy
Requirement 12: Maintain a policy that addresses information security
