PCI DSS

PCI DSS, or Payment Card Industry Data Security Standard, is a set of security guidelines and requirements designed to protect the sensitive cardholder data processed, stored, or transmitted by organizations that handle credit card payments. Developed by major credit card companies, including Visa, MasterCard, American Express, Discover, and JCB, PCI DSS aims to ensure the security of payment card data and reduce the risk of data breaches and fraud.

PCI DSS is not a law or legal regulatory requirement. However, it is often part of contractual obligations businesses that process and store credit, debit and other payment card transactions adhere to. Contractually obligated organizations must meet the requirements of PCI DSS to establish and maintain a secure environment for their clients.

PCI DSS was created in 2004 by five major credit card companies: Visa, Mastercard, Discover, JCB and American Express. The Payment Card Industry Security Standards Council (PCI SSC) developed the guidelines for PCI DSS.

What is the purpose of PCI DSS?

The primary goal of PCI DSS is to safeguard and optimize the security of sensitive cardholder data, such as credit card numbers, expiration dates and security codes. The standard's security controls help businesses minimize the risk of data breaches, fraud and identity theft. Compliance with PCI DSS also ensures that businesses adhere to industry best practices when processing, storing and transmitting credit card data. In turn, PCI DSS compliance fosters trust among customers and stakeholders.

We Understand Your Unique Needs!

At Cyberensic Global, we recognize that each organization is distinct, with its own set of needs and objectives. That's why our consultancy services are fully tailored to address the unique requirements of our clients. We take a collaborative approach, working closely with organizations to craft bespoke solutions that seamlessly align with their business goals, industry-specific regulations, and the intricacies of their risk landscape.

Our commitment to understanding your organization, combined with our industry expertise, empowers us to deliver solutions that not only meet but exceed your expectations. With Cyberensic Global, you can rest assured that your organization's cybersecurity and information security needs are in capable hands.

Requirements

PCI DSS Compliance levels

PCI compliance is divided into four levels, based on the annual number of credit or debit card transactions a business processes. The classification level determines what an enterprise needs to do to remain compliant.

Level 1:

Applies to merchants processing more than six million real-world credit or debit card transactions annually. Conducted by an authorized PCI auditor, they must undergo an internal audit once a year. In addition, once a quarter they must submit to a PCI scan by an Approved Scanning Vendor (ASV).

Level 2:

Applies to merchants processing between one and six million real-world credit or debit card transactions annually. They’re required to complete an assessment once a year using a Self-Assessment Questionnaire (SAQ). Additionally, a quarterly PCI scan may be required.

Level 3:

Applies to merchants processing between 20,000 and one million e-commerce transactions annually. They must complete a yearly assessment using the relevant SAQ. A quarterly PCI scan may also be required.

Level 4:

Applies to merchants processing fewer than 20,000 e-commerce transactions annually, or those that process up to one million real-world transactions. A yearly assessment using the relevant SAQ must be completed and a quarterly PCI scan may be required.

For further information, please contact us at cyberensic@outlook.com

Frequently asked questions

Cyberensic is a leading cybersecurity firm dedicated to safeguarding businesses and individuals from digital threats. We provide comprehensive security solutions and services to protect your digital assets and privacy.

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Cyberensic offers a range of services including: Cyber Security Advisory, Enterprise Risk Management, Fraud & Forensic, GDPR, HIPAA Compliance and many more.

Cyberensic was established in Aug 2023 with the aim of providing top cybersecurity solutions to meet the growing digital security needs of individuals and businesses.

Cyberensic was founded to bridge the gap in cybersecurity services and address the rising cyber threats, ensuring that businesses and individuals have access to robust protection and guidance in the digital realm.