What Are The Rules For PCI Compliance?

What is required for PCI compliance?

The 12 requirements of PCI DSS are: Install and maintain a firewall configuration to protect cardholder data.

Do not use vendor-supplied defaults for system passwords and other security parameters.

Protect stored cardholder data..

What does PCI compliance mean?

Payment Card Industry Data Security StandardA DEFINITION OF PCI COMPLIANCE The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements intended to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.

How do I find PCI compliance?

A: To satisfy the requirements of PCI, a merchant must complete the following steps:Determine which self-assessment Questionnaire (SAQ) your business should use to validate compliance. … Complete the self-assessment Questionnaire according to the instructions it contains.More items…

What happens if I am not PCI compliant?

If a data breach occurs and you’re not PCI compliant, your business will have to pay penalties and fines ranging between $5,000 and $500,000. … If you’re not PCI compliant, you run the risk of losing your merchant account, which means you won’t be able to accept credit card payments at all.

Does PayPal require PCI compliance?

You may have heard that by using PayPal, your business is not subject to the PCI DSS. The truth is, even accepting PayPal payments requires you to be PCI compliant. … Therefore, your online environment can have the ability to affect the security of the payment process/transaction.

What data falls under PCI compliance?

The PCI DSS applies to all entities that store, process, and/or transmit cardholder data. It covers technical and operational system components included in or connected to cardholder data. If you are a merchant who accepts or processes payment cards, you must comply with the PCI DSS.

Who enforces PCI compliance?

Compliance with the PCI security standards is enforced by the major payment card brands who established the Council: American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc.

How do I pass PCI compliance?

Here are the twelve requirements of achieving PCI DSS compliance:Have a firewall in place.Do not use vendor-supplied defaults for system passwords.Protect any and all cardholder data.Encrypt transmission of cardholder data across open networks.Regularly update anti-virus software.Develop and maintain secure systems.More items…•

How do I become PCI compliant for free?

Level 4 merchants typically can become PCI compliant for free because less elaborate validation documents are required, and merchants can fill out self-assessed questionnaires rather than having to hire an Approved Scanning Vendor (ASV) such as ControlScan.

How do I know if my website is PCI compliant?

There is only one way for a consumer to tell if a website is PCI compliant. If the website accepts credit card payments, it is compliant. If the site sells merchandise and does not accept payment, it is not compliant.

Do banks need to be PCI compliant?

Issuing banks are not required to go through PCI DSS validation although they still have to secure the sensitive data in a PCI DSS compliant manner. Acquiring banks are required to comply with PCI DSS as well as to have their compliance validated by means of an audit.