PCI DSS Hub
Your go-to resource for everything PCI DSS—guides, tips, and tools to support you at every step of your compliance journey.
Why PCI DSS Is Essential for Modern Business Security
The standard was developed and is maintained by the Payment Card Industry Security Standards Council (PCI SSC), which is a forum launched in 2006 by the five major credit card companies: Visa, MasterCard, JCB, Discover and American Express.
Why PCI DSS Matters
PCI DSS varies fro level 1 to level 4. There are key practices for securing networks, safeguarding cardholder data, enforcing access controls, and monitoring vulnerabilities.
To support organisations in meeting PCI DSS standards, the PCI Security Standards Council (PCI SSC) offers over 60 guidance documents and resources.
These materials provide crucial insights into key compliance areas, including scoping, network segmentation, third-party security, cloud computing, and more.
From penetration testing and multi-factor authentication to effective log monitoring and security awareness, these resources equip organisations with best practices and actionable advice to strengthen their security posture and ensure PCI DSS compliance.
Best Practices PCI DSS Compliance
These best practices outline essential steps for protecting this information, from establishing strong access controls to securing network infrastructure and conducting regular system monitoring.
Network Infrastructure
Install and maintain properly configured firewalls to block unauthorised traffic. Use network segmentation to separate the cardholder data environment from other parts of the network.
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Access Control
Strong access controls to protect cardholder data by restricting privileges to authorised individuals only. Use multi-factor authentication (MFA) for privileged users and enforce strong password policies. Unique IDs for each employee enhance traceability and improve incident response.
Continuous Monitoring
Conduct regular vulnerability assessments and penetration tests to identify weaknesses. Perform periodic scans for vulnerabilities and promptly address any issues found.
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PCI DSS Level 1-4
PCI DSS compliance varies by an organisation’s transaction volume, with requirements divided across four levels. Each level’s parameters help organisations determine the specific PCI DSS compliance requirements they need to meet.
Level 1
For merchants processing over 6 million card transactions annually, requiring the most stringent compliance measures, including an annual audit by a Qualified Security Assessor (QSA).
Level 2
For merchants processing 1 to 6 million transactions annually, typically requiring an annual self-assessment questionnaire and quarterly network scans.
Level 3
For merchants processing 20,000 to 1 million transactions, often requiring self-assessment and quarterly scans.
Level 4
For merchants processing fewer than 20,000 e-commerce or 1 million other transactions, generally requiring similar but simplified measures.
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