PCI COMPLIANCE CONSULTANTS

Find Out If You Are PCI DSS Compliant With Our Expert PCI Compliance Consultants Billions of credit card payments mean unlimited credit card data. And in cyberspace, data is the new currency. To protect this valuable credit card data, a set of rules and regulations are enforced, which is known as PCI DSS Compliance.
Benefits of PCI DSS Compliance 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 Prioritizing security Helping you to meet global standards Providing a baseline for other regulations Saving costs from unnecessary fines
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PCI DSS Compliance

PCI DSS stands for Payment Card Industry Data Security Standard. PCI DSS is a compliance security standard specially designed for safe credit card transactions. It is implemented to ensure that companies that accept, store, and process credit card information maintain an extremely secure environment. It fundamentally helps companies achieve safe and secure transaction modes, thereby protecting sensitive and private information of the cardholders.

  • With growing business demands and advent of newer technologies, there is a rise in the credit card transactions. Every company which deals with credit card transactions should ensure to maintain PCI DSS compliance. Any e-commerce business, banks, or retail businesses constantly dealing with credit card transactions need to follow PCI DSS compliance to ensure robust payment methods and prevent identity theft. Timely PCI assessments should be done by a Qualified Security Assessor – QSA.
  • Any entity dealing with card payments requires being PCI DSS compliancy to ensure secure card transactions. Not having the required compliance standards poses risks of private and confidential information leakage, and possible repercussions of identity theft and fraudulent card transactions.
  • PCI DSS is important for all scale service providers, banks, sellers, and any organization that deals with credit card payments. This is equally important for businesses that deals with a mobile app having an integrated payment model. PCI DSS plays a crucial role in establishing a company’s credibility to maintain and safeguard user’s card related information. Additionally, it ensures safe card usage by providing tight and restrictive controls around the storage and transmission of cardholder data.
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our approach

Our PCI DSS services follow these steps::

Identifying the Levels of PCI :

PCI compliance has 4 identified levels purely based on transaction volumes. Each of these levels requires you to undergo a different set of validations. Below are the levels and the requirements:

Level 1

A level 1 organization process a volume of 6 million cards or more per year.

  1. Requires annual Report of Compliance- ROC by a QSA (Qualified Security Assessor) or an internal auditor, if signed by an officer of the company
  2. Quarterly approved network scan by an Approved Scan Vendor- ASV
  3. Attestation of compliance form

Level 2

Level 2 organizations process a transaction volume between 1 and 6 million per year.

  1. Requires SAQ
  2. Quarterly network scan by ASV
  3. Attestation of compliance form

Level 3

Level 3 organizations require a transaction volume between 20, 000 and 1 million. The requirements are similar to a Level 2 organization.

Level 4

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:

Protect Card
Holder Data

Develop &
Apply Access
Control Policy

Secure the
infrastructure
& Monitor

Find & Fix
Vulnerabilities

Train Employees

The way we process

The 10 requirements can be broadly classified into the below-defined guidelines and in each step we guide you through the process-

1

Implementing Firewall Configuration

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.

2

Eliminate Default Configurations

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.

3

Stored Cardholder Data Protection

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.

4

Encryption

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.

5

Use of regularly updated anti-virus software

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.

6

Maintain secure systems and applications

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.

7

Monitor and Restrict Access to Cardholder Data

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..

8

Assign a Unique ID to Each Person With Computer Access

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.

9

Restrict Physical Access to Cardholder Data

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.

10

Track and Monitor All Access to Network Resources and Cardholder Data

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.

11

Testing Security Systems and Processes

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.

12

Maintain Information Security Policy For All Personnel

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.

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Why Choose Us

  • 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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TechForing Will Be your PCI DSS Partner!

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important resources

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