PCI Compliance

PCI Security Standards Council logo

The Payment Card Industry Data Security Standard (PCI DSS) is a worldwide information security standard, defined by the PCI Security Standards Council. It was created to prevent credit card fraud through increased data controls and reduced exposure to compromise. It applies to organisations which hold, process, or exchange credit card information. Learn more at the PCI Security Standards Council website.

12 Requirements for Compliance

The current version of the standard (1.2) specifies 12 requirements for compliance, organised into six logically related groups called Control Objectives. 

Build and Maintain a Secure Network
1.
Install and maintain a firewall configuration to protect cardholder data
2. Do not use vendor-supplied defaults for system passwords and other security parameters

Protect Cardholder Data
3.
Protect stored cardholder data
4. Encrypt transmission of cardholder data across open, public networks

Maintain a Vulnerability Management Program
5.
Use and regularly update anti-virus software on all systems commonly affected by malware
6. Develop and maintain secure systems and applications

Implement Strong Access Control Measures
7.
Restrict access to cardholder data by business need-to-know
8. Assign a unique ID to each person with computer access
9. Restrict physical access to cardholder data

Regularly Monitor and Test Networks
10.
Track and monitor all access to network resources and cardholder data
11. Regularly test security systems and processes

Maintain an Information Security Policy
12.
Maintain a policy that addresses information security.

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