PCI DSS Compliance
Online payment transactions have made the lives of customers as well as business owners easy. One can take advantage of different online facilities and even make payments with ease using options like a credit card, debit card, or online money transfer. While making an online payment, the customer needs to check if the application used for payment is safe and secure. It is also the responsibility of the organisation to use the application that protects customer data against upcoming breaches and fraud.
Importance of PCI DSS compliance:
For the security of confidential data, the Payment Card Industry Data Security Standard (PCI DSS) has set some standards for data protection. These standards ensure that the application used for payment transactions is secure and has the fewest flaws leading to a data breach. When the organisation passes all these standards set by the regulatory authorities, they get compliance certification. This certificate indicates that the organisation has completed all PCI DSS compliance requirements.
Checklist for the PCI DSS compliance requirement:
For PCI DSS compliance, the organisation needs to have proper controls to complete the requirements for different categories. The points included in the checklist include:
• Using safety precautions like firewalls to protect the system, operations, and data
• A protection system that is regularly updated and maintained.
• Modification of the vendor-provided security settings, including the default password.
• Reducing the possibility of exposed saved passwords
• Appropriate security measures to safeguard cardholder data inside the inner system
• Using a reliable encryption technique to safeguard data
• Data security when utilizing an open network
• Use of appropriate anti-virus software or a tool for data protection.
• Keeping the antivirus application or software up to date.
• Verify if the anti-virus program can stop current infections.
• Utilization of secure applications and systems
• Maintaining these systems and apps properly
• Verify that these programs and apps are PCI DSS compliant.
• Check your system for cardholder data access restrictions. internal systems.
• Only those who need to handle the data are permitted access to restricted data.
• Giving the people who are accessing the crucial data a special ID.
• Physical access restrictions to servers, computers, and other systems that store, process, or transfer cardholder data.
• Upkeep of the system to keep track of visitor logs to sites and facilities where cardholder data can be evaluated.
• To prevent exploitation, the network needs to be checked frequently.
• Physically protecting, safeguarding, and storing all of the media while prohibiting unauthorized access to and distribution of it,
• Testing for system flaws on a regular basis
• Dealing with these vulnerabilities
• Conducting vulnerability testing in the event that new software is introduced or the configuration is altered.
• Upholding internal information security policies
• looking over the policy annually or when internal systems are changed.
Following the above-mentioned checklist will help the organisation complete all the PCI DSS compliance requirements important for compliance.
Ishan Acharya 