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What are the PCI DSS requirements?

Do I just need to become complaint once?

Compliance is an on-going process, not a one-time event. It helps prevent security breaches and theft of payment card data, not just today, but in the future.

 
What are the Requirements?

It's important to know the standards, as you may be storing cardholder information (e.g. receipts from terminals or emails that have cardholder details in them) in a way that the standard does not allow. The standard is broken down into six logical sections:

  • Build and Maintain a Secure Network
    • Install and maintain a firewall configuration to protect cardholder data.
    • Do not use vendor-supplied defaults for system passwords and other security parameters.
  • Protect Cardholder Data
    • Protect stored cardholder data*.
    • Encrypt transmission of cardholder data across open, public networks. 
  • Maintain a Vulnerability Management Program
    • Use and regularly update antivirus software or programs.
    • Develop and maintain secure systems and applications.
    • Restrict access to cardholder data by business need-to-know.
    • Assign a unique ID to each person with computer access.
    • Restrict physical access to cardholder data.
  • Regularly Monitor and Test Networks
    • Track and monitor all access to network resources and cardholder data.
    • Regularly test security systems and processes.
  • Maintain an Information Security Policy
    • Maintain a policy that addresses information security for employees and contractors.

*To qualify for PCI compliance, Level 4 Clients (those with fewer than 20k transactions a year) will need to fill out their own Self Assessment Questionnaire.

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