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- What is required to be compliant?
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- Fraud and Security advice >
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What is required to be compliant?
The following information outlines the main PCI DSS requirement for merchants to become compliant:
| Requirement description | |
|---|---|
| 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. 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. |
PCI Security Standard Councils positioning on sensitive data requirements:
| Data Element | Storage permitted |
Protection required |
PCI DSS Req 3.4 | |
|---|---|---|---|---|
| Cardholder Data | Primary Account Number (PAN) | Yes | Yes | Yes |
| Cardholder name* | Yes | Yes* | No | |
| Service code* | Yes | Yes* | No | |
| Expiration date* | Yes | Yes* | No | |
| Sensitive authentication data | Full magnetic strip | No | N/A | N/A |
| CVC2/CVV2/CID | No | N/A | N/A | |
| PIN/PIN block | No | N/A | N/A |
*These data elements must be protected if stored in conjunction with the PAN. This protection should be per PCI DSS requirements for general protection of the cardholder environment. Additionally, other legislation (e.g., related to consumer personal data protection, privacy, identity theft, or data security) may require specific protection of this data, or proper disclosure of a company's practices if consumer related personal data is being collected during the course of business. PCI DSS; however, does not apply if PANs are not stored, processed, or transmitted.
Please note: Do not store sensitive authentication data subsequent to authorization (not even if encrypted). Taken from Payment Security Standard Version 1.1 Sept 2006.
