PCI compliance builds a strong foundation for risk assessment, risk management, and ongoing protection. Other benefits include:
Building trust with your customers
Keeping customer information secure and protected
Preventing data breach
Helping you to meet global standards
Saving costs from unnecessary fines.
Our PCI DSS services follow these steps:
PCI compliance has 4 levels purely based on transaction volume, or how many transactions that go through an organization. Each of these levels requires you to undergo a different set of validations:
A level 1 organization process a volume of 6 million cards or more per year.
Level 2 organizations process a transaction volume between 1 and 6 million per year.
Level 3 organizations require a transaction volume between 20, 000 and 1 million. The requirements are similar to a Level 2 organization.
Level 4 organizations have a transaction volume under 20,000. The requirements for being PCI DSS compliant are similar to Level 2 and Level 3 organizations.
Meeting the PCI Compliance Requirements:
The 10 requirements can be broadly classified into the below-defined guidelines and in each step we guide you through the process-
In this step, standardized testing of equipment in case of a hardware or software change gets implemented. All untrusted traffic is restricted, except in cases where communication protocol is required to process payment card information. These configuration rules should be reviewed bi-annually and updated if necessary.
Default configurations are one of the most common exploits cybercriminals use. For example, most routers' default username and password is "admin". If remained unchanged, cyber-criminals can take advantage of it and gain access to an organization's network.
In case the storage is necessary, this requirement focuses on securing the stored data to prevent unauthorized usage. Organizations should limit storage and retention time to a bare minimum and perform a purge every quarter.
Encrypting data before transmission and decrypting upon reception limits the likelihood of thieves accessing it in a meaningful way. IPSec, SSH, TLS, and IEEE 802.11i facilitate that requirement.
Organizations must ensure that AV mechanisms are deployed on all systems, use the latest directories, are always active in the systems, and generate auditable logs.
This involves installing security patches as soon as they're available. ISVs must work to ensure their clients are aware of these patches and can install them easily.
This requirement's goal is to allow only authorized access. Organizations must be able to monitor, allow, or deny access to cardholder data as requested. Unauthorized access is not only limited to criminals, a person or organization may also request information. If the information does not concern their task, that request will be considered unauthorized and thus denied..
Organizations must assign a unique ID to every authorized user with access to a PC. This way, whenever someone accesses cardholder data, the organization can trace the activity and confirm if it was accessed by an authorized user or not.
Organizations must limit parties from accessing cardholder data physically. These parties include employees, contractors, vendors, consultants, guests, etc. And the access includes adding to retrieving information via systems, devices, and hard copies. On-site access control should restrict movement within the installation, keep logs of all activities, and detect unauthorized personnel. On-site security personnel can ensure enforcing these rules. Finally, all media must be removed when the business no longer needs it, or if a legal obligation surfaces.
Both wired and wireless networks connect cardholder access points. Criminals can leverage vulnerabilities in these networks to steal sensitive information. Organizations must monitor and test their network regularly to prevent these exploits. Real-time monitoring, logging, and forensic mechanisms can help with this requirement. Automated audit trails and the ability to reconstruct events, and time synchronization are also required. Audit results must be secured and maintained for at least a year.
Organizations must perform quarterly tests for wireless access points that can gain unauthorized access. Internal and external scans are also required to run every quarter as well as after every significant network change. Other requirements include penetration testing, file monitoring, intrusion detection, and prevention systems.
The final requirement is dedicated to implementing and maintaining an information security policy for all employees and other relevant parties. Organizations must arrange a yearly process, which challenges the policy and makes necessary adjustments. The requirement also demands at least one agent (or at least an entire team, depending on the scope) who is responsible for these obligations.
Qualified Experts TechForing has a team of qualified experts and PCIP (Payment Card Industry professionals), constantly supporting changes required for PCI compliance audits. Our team will provide you with end-to-end guidance in helping you achieve Attestation of Compliance (AOC) from a QSA, and Report on Compliance (ROC) for the Payment card industry.
Years of Experience in the Field Over the years, we have successfully worked with multiple small and large organizations to gain PCI DSS compliance, as well as ISO 27001, GDPR, etc.
Cost-Effective Solutions TechForing provides cost-effective solutions and manages all of your PCI compliance-related activities.
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