How PCI Compliance Works
Compliance with the Payment Card Industry (PCI) data security standard is required of all merchants that store, process, or transmit cardholder data. A "merchant" is defined as any entity accepting payment via any form of payment card. The program applies to all payment channels, including retail (brick-and-mortar), mail/telephone order, and e-commerce. The PCI standard is endorsed by all credit card brands within their respective programs, including Visa (CISP and AIS programs), MasterCard (SDP), American Express, DiscoverCard and JBC.
Basic and corresponding subrequirements PCI DSS standard (Data Security Standard)
Build and maintain a secure network
1. Install and maintain a firewall configuration to protect cardholder data.
2. Do not use vendor-supplied defaults for system passwords and other security parameters.
Protect cardholder data
3. Protect stored cardholder data.
4. Encrypt transmission of cardholder data across open, public networks.
Maintain a vulnerability management program
5. Use and regularly update ani-virus software.
6. Develop and maintain secure systems and applications.
Implement a strict access policy
7. Restrict access to cardholder data by business need-to-know.
8. Assign a unique ID to each person with computer access.
9. Restrict physical access to cardholder data.
Regularly monitor and test networks
10. Track and monitor all access to network resources and cardholder data.
11. Regularly test security systems and processes.
Maintain an information security policy
12. Maintain a policy that adresses information security.
For more information on the PCI data security standard requirements see Visa’s PCI Compliance Requirements or call us at +31 (0)297 381300 for a free consultation with one of our PCI Compliance Specialists.