What data is included in PCI?

The PCI DSS provides standards for the processes and systems that merchants and vendors use to protect information. This information includes: Cardholder data such as the cardholder’s name, the primary account number, and the card’s expiration date and security code.

What is included as part of the cardholder data elements?

Cardholder data includes the primary account number (PAN) along with any of the following data types: cardholder name, expiration date or service code. A service code is a three- or four-digit number on cards that use a magnetic-stripe.

What data requires PCI compliance?

Any organization that accepts, handles, stores, or transmits cardholder data must be PCI compliant. The size of the business and the number of transactions does not exempt a company from being compliant. Cardholder data includes debit, credit, and prepaid cards used by customers.

What should never be stored according to PCI DSS?

Never store the card-validation code or value (three- or four-digit number printed on the front or back of a payment card used to validate card-not-present transactions). Never store the personal identification number (PIN) or PIN Block.

What falls under PCI compliance?

Nearly all payment card and cardholder information are subject to PCI protection — most notably, information on credit cards (name, number, etc.) and accounts connected to them. In practice, this means many, if not most, companies that process payments are subject to some form of PCI compliance.

Which of the following is not considered as cardholder data?

Truncated cardholder data is not considered cardholder data.

Does PCI DSS apply to paper records?

When keeping cardholder data on hard copy or paper, you must comply with PCI DSS requirements 9.5 to 9.8. 2. These controls include the secure storage of paper documents, proper access control of paper documents, and the destruction of paper documents when they are no longer needed.

What are the 12 requirements for PCI DSS compliance?

The 12 requirements of PCI DSS compliance are designed to support your organization’s development of a strong information security system and fall under six overarching categories: 1) build and maintain a secure network and systems, 2) protect cardholder data, 3) maintain a vulnerability management program, 4) ​ …

What cardholder data can be stored?

Cardholder Data (CHD) includes the 16-digit primary account number (PAN), cardholder name, service code, and expiration date. You may only store certain elements of CHD according to PCI rules, and it can only be stored for a “legitimate legal, regulatory, or business reason”.

What happens if I’m not PCI compliant?

If you’re not PCI compliant, you run the risk of losing your merchant account, which means you won’t be able to accept credit card payments at all.

How do I know if I am PCI compliant?

To determine your PCI DSS level, you’ll need to know how many credit card transactions you complete annually. If you’re not sure what level your business falls into, your POS reports, as well as reports and analytics from your e-commerce store, may be able to tell you.

How do I ensure PCI compliance?

1. Maintain a firewall – protects cardholder data inside the corporate network.
2. Passwords need to be unique – change passwords periodically, do not use defaults.
3. Protect stored data – implement physical and virtual measures to avoid data breaches.

Is it illegal to keep credit card details on file?

PCI-DSS requirements state that cardholder data can only be stored for a “legitimate legal, regulatory, or business reason.” In other words: “If you don’t need it, don’t store it.”

Can I keep a customer’s credit card on file?

The credit card number must be filed in a secure location, in a safe or under lock and key. Credit card numbers must not be stored electronically, i.e. in a spreadsheet, database, or anywhere on a computer and/or network. Once the customer relationship is finished, the credit card number should be cross-shredded.

Can you store customer card details?

To answer briefly, yes, merchants can store credit card information. The long answer is that merchants must be PCI compliant to store their credit card data. However, there’s also some data you can keep and some you can’t make sure you securely handle your customers’ credit card information.

What is Level 3 PCI compliance?

PCI Level 3 applies to merchants that handle between 20,000 and one million annual e-commerce transactions. They must complete the annual evaluation using the appropriate SAQ. It may also require a quarterly PCI ASV scan.

Is PCI compliance required by law?

PCI DSS is a security standard, not a law. Compliance with it is mandated by the contracts that merchants sign with the card brands (Visa, MasterCard, etc.) and with the banks that actually handle their payment processing.

What is PCI burden?

How much are PCI non-compliance fines? Non-compliance fines start at $5,000 but can soar up to $500,000 per PCI data security incident (like massive data breaches). The range of fines will vary depending on the state of PCI controls and, if a breach occurred, whether the breach was due to PCI control operation failure.

Which of the following can be stored according to the PCI DSS?

If required for business purposes, the cardholder’s name, PAN, expiration date, and service code may be stored as long as they are protected in accordance with PCI DSS requirements.

Is CVV required for PCI compliance?

CVV data is not necessary for card-on-file transactions or recurring payments, and storage of this data is prohibited by the PCI-Data Security Standard.

What elements are considered sensitive cardholder data?

Sensitive Authentication Data: Security-related information including, but not limited to, card validation codes/values (e.g., three- digit or four-digit value printed on the front or back of a payment card, such as CVV2 and CVC2 data), full magnetic-stripe data, PINs, and PIN blocks) used to authenticate cardholders …

Which PCI security requirement relates to the physical protection?

PCI DSS Requirement 9: Restrict physical access to cardholder data. This requirement focuses on the protection of physical access to systems with cardholder data.

Can you store the last 4 digits of a credit card?

Cardholder name, 4 last digits of CC number and its expiration date are all NOT sensitive data. The cardholder name and expiration date only require protection if you are storing them with the full primary account number, not the truncated 4 digit number.

Is faxing credit card information PCI compliant?

You are subject to PCI compliance whether you accept credit cards online, over the counter, over the phone, via fax or using 256-bit encrypted carrier pigeons. The standard also applies even if you utilize a third party for some or all of the transaction process.

What are the four PCI standards?

PCI Level 1: Businesses processing over 6 million transactions per year. PCI Level 2: Businesses processing 1 million to 6 million transactions per year. PCI Level 3: Businesses processing 20,000 to 1 million transactions per year. PCI Level 4: Businesses processing less than 20,000 transactions per year.