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PCI Compliance

Payment card industry (PCI) compliance is mandated by credit card companies to help ensure the security of credit card transactions in the payments industry. Payment card industry compliance refers to the technical and operational standards that businesses follow to secure and protect credit card data provided by cardholders and transmitted through card processing transactions. PCI standards for compliance are developed and managed by the PCI Security Standards Council

THE 12 REQUIREMENTS OF PCI DSS

The requirements set forth by the PCI SSC are both operational and technical, and the core focus of these rules is always to protect cardholder data.

The 12 requirements of PCI DSS are:

  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

  3. Protect stored cardholder data

  4. Encrypt transmission of cardholder data across open, public networks

  5. Use and regularly update anti-virus software or programs

  6. Develop and maintain secure systems and applications

  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

  10. Track and monitor all access to network resources and cardholder data

  11. Regularly test security systems and processes

  12. Maintain a policy that addresses information security for all personnel

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