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PCI Compliance

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From February 2010 PCI DSS became compulsory for processing card payments

PCI Compliance is the Payment Card Industry Data Security Standard mandated by the card schemes for the protection of cardholders and transaction details. If you do not comply with the standard you could face substantial fines imposed by card schemes. You could even find yourself being permanently barred from using card acceptance programmes.

According to payment brand rules, all merchants accepting credit card payments are required to comply with the PCI Data Security Standard in its entirety. This includes online and offline.

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What it is PCI compliance and why does it matter?

Who are PCI Security Standards Council

What is the standard exactly?

What if I don't want to become PCI compliant?

If a merchant is found to be not PCI compliant, what are the consequences?

What part of the standard is mandatory and what is voluntary?

How do I become compliant?

How much does it cost to become compliant?

Isn't this just another way of getting more money out of businesses?

What now?

   

PCI Compliance for the Optimal Account

PCI Compliance for the Premier Account

 

What it is PCI compliance and why does it matter?

If you own an online shop, bank online or use credit and debit cards, there is a very good chance that you have heard the term "PCI compliant." However you probably don't know what it means.

The term "PCI compliant" is heard more and more these days as data breaches at merchants like TJMaxx land hundreds of thousands of card details in the hands of criminals. These criminals are using the data to make purchases and withdraw money from accounts of unsuspecting victims.

It's a huge and growing problem. More than 80% of data stolen in breaches is payment card data, according to the 2009 Verizon Business Data Breach Report.


Who are PCI Security Standards Council

The PCI Security Standards Council is an open global forum, launched in 2006, that is responsible for the development, management, education, and awareness of the PCI Security Standards, including: the Data Security Standard (DSS), Payment Application Data Security Standard (PA-DSS), and Pin-Entry Device (PED) Requirements.


What is the standard exactly?

It's the PCI, which stands for Payment Card Industry, data security standard. It's a set of 12 specific requirements that cover six different goals. It's very prescriptive. It says not only that you need to be secure but it tells you how to become secure. It's more about security than compliance. The goals are things like:

  • Build and maintain a secure network
  • Protect card holder data
  • Regularly monitor and test the networks

What if I don't want to become PCI compliant?

If you decide not to become compliant then you can still open an account with us. However please remember that you could face substantial fines and even be barred if you do not.


If a merchant is found to be not PCI compliant, what are the consequences?

90% of consumers don't understand the difference between credit card fraud and identity theft. If they hear that their credit card has been stolen, many of them believe their identity is at risk. If that's the case many of your customers won't shop with you anymore because they are afraid you are not protecting their data and someone is going to steal their identity. That's the worst thing that can happen. The biggest problem would be if your customers walk away. There are reputational damages they have to deal with, which 9 times out of 10 cannot be measured in terms of money.


What part of the standard is mandatory and what is voluntary?

It's all mandatory. Nothing is voluntary. The rule is if you store, process, or transmit credit card data you must be compliant with the PCI standards. And that's a global rule.


How do I become compliant?

You can become compliant by using an assessor. To see the current list of PA-QSAs recognized by the PCI Security Standards Council, please see below. Alternatively search online for 'PCI compliant assessors'.

Please note, the PCI Security Standards Council maintains an in-depth program for security companies seeking to be certified as Payment Application Qualified Security Assessors (PA-QSAs), as well as to be re-certified as PA-QSAs each year.

We do not take any responsibility for 3rd party websites and / or services


How much does it cost to become compliant?

If you would like help with becoming compliant, prices vary from company to company. However the average price is around £150. If you would simply like to self-assess then this is free.


Isn't this just another way of getting more money out of businesses?

Not at all. This is for the benefit of all concerned. 80% of all online fraud occurs using stolen or missused payment details. No matter where you go to become PCI compliant (except for self assessment) you will have to pay a fee.


What now?

For more information, including an FAQ's section please visit www.pcisecuritystandards.org

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