What is PCI DSS?
Find out what the Payment Card Industry Data Security Standard is and how it protects your card payments.
PCI DSS is the worldwide Payment Card Industry Data Security Standard that was set up to help businesses process card payments securely and reduce card fraud. The achieves through enforcing tight controls surrounding the storage, transmission and processing of cardholder data that businesses handle. PCI DSS is intended to protect sensitive cardholder data.
The payment standard has 12 high level requirements which fall into the six categories below:
1.) Build and Maintain a Secure Network
- Install and maintain a firewall configuration to protect data
- Do not use vendor-supplied defaults for system passwords and other security parameters
2.) Protect Cardholder Data
- Protect stored data (use encryption)
- Encrypt transmission of cardholder data and sensitive information across public net
3.) Maintain a Vulnerability Management Program
- Use and regularly update anti-virus software
- Develop and maintain secure systems and applications
4.) Implement Strong Access Control Measures
- Restrict access to data by business need-to-know
- Assign a unique ID to each person with computer access
- Restrict physical access to cardholder data
5.) Regularly Monitor and Test Networks
- Track and monitor all access to network resources and cardholder data
- Regularly test security systems and processes
6.) Maintain an Information Security Policy
- Maintain a policy that addresses Information Security