{"id":528,"date":"2020-04-12T10:24:09","date_gmt":"2020-04-12T10:24:09","guid":{"rendered":"http:\/\/www.pcidssguide.com\/?p=528"},"modified":"2023-10-09T13:14:24","modified_gmt":"2023-10-09T13:14:24","slug":"pci-compliance-checklist","status":"publish","type":"post","link":"https:\/\/pcidssguide.com\/pci-compliance-checklist\/","title":{"rendered":"PCI DSS Compliance Checklist"},"content":{"rendered":"\n\n\n\n\n
PCI DSS, which stands for Payment Card Industry Data Security Standard, exists to help businesses protect themselves and their customers by defining how sensitive personal information such as credit card data is stored.<\/p>\n\n\n\n
If you are processing payments with debit or credit cards, you must meet and comply with the PCI DSS requirements. Otherwise, you may be subject to various penalties, or your card processing rights may be canceled entirely.<\/p>\n\n\n\n
See Also: PCI DSS Compliance Best Practices<\/a><\/strong><\/p>\n\n\n\n Fraud is a severe problem in the payment industry, and the primary source of these problems is caused by both the customers and the organizations that receive payments.<\/p>\n\n\n\n Concerning PCI compliance<\/a>, all data collected from a credit and debit card, such as card number, cardholder ID, PINs, and any chip or magnetic stripe data, are data you need to secure.<\/p>\n\n\n\n Attackers also discover ways to steal such data from card readers, point of sale networks, computers, websites, wireless hotspots, and sometimes from your employees.<\/p>\n\n\n\n Fortunately, most of the data and network security measures you have should also meet your PCI compliance requirements. You can achieve full compliance by setting and maintaining simple goals and procedures.<\/p>\n\n\n\n See Also: Tips and Strategies for PCI DSS Compliance<\/a><\/strong><\/p>\n\n\n\n Lack of PCI compliance for your business will cost money and reputation. Referring to the PCI compliance checklist will help you take all the necessary steps to become compliant.<\/p>\n\n\n\n You can use the PCI DSS Audit checklist to make sure you meet every requirement. But beware, the requirements may vary based on your transaction volume. It is your responsibility to track the payment transactions and choose the correct compliance level.<\/p>\n\n\n\n Because PCI DSS requirements are complicated at first glance, an essential PCI compliance checklist can assist and simplify your job as an initial introduction to PCI DSS. You can also find detailed PCI DSS compliance checklists and detailed descriptions to guide the implementation of the standards in the links under the control items’ headings.<\/p>\n\n\n\n To make it a little easier for you to establish and maintain compliance with PCI DSS, we have created a short PCI self-assessment guide and checklist. You can reach your PCI compliance by checking that no critical steps are missed.<\/p>\n\n\n\n See Also: PCI DSS Requirement 1 Explained<\/a><\/strong><\/p>\n\n\n\n Use firewalls to secure critical devices and networks from intruders and malware. The firewall blocks many malicious network traffic that may include malware or illegal access attempts to your system. All your devices and networks must remain protected from untrusted traffic sources or unauthorized access to maintain PCI compliance.<\/p>\n\n\n\n See Also: PCI DSS Requirement 2 Explained<\/a><\/strong><\/p>\n\n\n\n Never use the default password and system parameters. Routers and other devices you may be used for POS most likely come with a default password. Most wireless routers use a default password, such as admin or password. Using the default passwords without changing them makes it much easier for attackers to enter the network and gain unauthorized access to devices.<\/p>\n\n\n\n See Also: PCI DSS Requirement 3 Explained<\/a><\/strong><\/p>\n\n\n\n Focus on protecting cardholder data. There are many methods to protect cardholder data, including encryption, hashing, and masking. The important thing is that if there is no business need or legal obligation, do not store cardholder data. If you need to hide, use encryption, hashing, or masking methods that comply with the standards.<\/p>\n\n\n\n See Also: PCI DSS Requirement 4 Explained<\/a><\/strong><\/p>\n\n\n\n Encrypt all cardholder information you send over an extensive public network or public networks such as the internet. All information you submit must be protected to remain compliant with PCI DSS.<\/p>\n\n\n\n See Also: PCI DSS Requirement 5 Explained<\/a><\/strong><\/p>\n\n\n\n To protect against malware, use antivirus software, and maintain it regularly. Malware can enter your network and computers in many different ways, from the internet, through an infected USB, or a vulnerability in your hardware.<\/p>\n\n\n\n See Also: PCI DSS Requirement 6 Explained<\/a><\/strong><\/p>\n\n\n\n Ensure that software, hardware, and operating systems are up to date with security vulnerabilities and that security patches are installed. Vulnerabilities of operating systems or devices without security patches are the easiest way to add malware to your network. To comply with PCI DSS, you must make every effort to ensure that the covered components are regularly updated.<\/p>\n\n\n\n See Also: PCI DSS Requirement 7 Explained<\/a><\/strong><\/p>\n\n\n\n Restrict access to cardholder data only to required people and applications, disable and block other access. Employee errors are the primary reason for leaks or any additional disclosure of cardholder data. Grant employees and systems access when they need it to do their jobs or perform a required task.<\/p>\n\n\n\n See Also: PCI DSS Requirement 8 Explained<\/a><\/strong><\/p>\n\n\n\n Set unique passwords for anyone with access to cardholder data. Do not share passwords and usernames. Establish policies on identity management and passwords, and train employees to avoid sharing credentials. Unique identities such as usernames are important in audits so that you can identify who has accessed cardholder information.<\/p>\n\n\n\n See Also: PCI DSS Requirement 9 Explained<\/a><\/strong><\/p>\n\n\n\n Restrict physical access to servers or machines that process, store, or transfer cardholder data. Any removable device can be used as a gateway for malware and attackers. Therefore, make sure that only trusted personnel can access physical devices containing cardholder information.<\/p>\n\n\n\n See Also: PCI DSS Requirement 10 Explained<\/a><\/strong><\/p>\n\n\n\n Track and monitor what is happening on networks and devices that contain cardholder data. Apply daily monitoring schedules to monitor sensitive data access. You need to know who accessed anything on the network and when.<\/p>\n\n\n\n See Also: PCI DSS Requirement 11 Explained<\/a><\/strong><\/p>\n\n\n\n Evaluate security measures, including employees. Whether the vulnerability is in hardware, software, or a worker error, everything is vulnerable to an attacker with sufficient time and access. Regular testing of penetration testing and cardholder data with internal vulnerability scans will enable you to take the necessary precautions.<\/p>\n\n\n\n See Also: PCI DSS Requirement 12 Explained<\/a><\/strong><\/p>\n\n\n\n Establish policies and procedures that govern data security and define eleven previous requirements. Policies set your organization’s security framework and ensure that both new and experienced employees understand what you expect of them.<\/p>\n\n\n\n Even if protections are available, you must communicate and work to enforce your policy. Each employee must know and follow your third-party vendor and customer policies.<\/p>\n\n\n\n Your written security policy should include an overview of how you are protecting customer data. All required persons should be made aware of the PCI standards and how to comply with them.<\/p>\n\n\n\n If you choose “yes” for each of the above items, your company is in an excellent position to make your PCI DSS compliance process successful.<\/p>\n\n\n\n The purpose of the PCI DSS checklist is to provide a basic overview of PCI compliant applications and speed up your compliance work by specifying the requirements’ basic needs. Therefore, the list should not be regarded as an approved, detailed checklist or PCI compliance assessment.<\/p>\n\n\n\n12 Steps to Compliance with PCI DSS<\/strong><\/h2>\n\n\n\n
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PCI DSS Compliance Checklist Best Practices<\/strong><\/h2>\n\n\n\n