When an organization accepts online payments, it is important to properly protect payment data. Payment card information is an attractive target for cybercriminals. That is why the payment industry has established specific security requirements.
Major payment brands such as Visa and Mastercard therefore developed the Payment Card Industry Data Security Standard (PCI DSS). This is the international standard for organizations that process, store, or transmit payment card data. Companies now apply this standard worldwide.
These requirements apply to any organization that accepts card payments. This ranges from small online stores to large international companies. Even when payments are processed through an external payment provider, certain obligations may still apply.
1. Online Self Assessment Questionaire SAQ
The Self-Assessment Questionnaire is a questionnaire that organizations use to demonstrate their compliance with the security requirements applicable to their situation. There are different versions of this questionnaire, depending on how payments are processed.
Completing the SAQ correctly helps organizations gain insight into their responsibilities and any areas requiring attention in terms of security
2. Vulnerability Scans and reports
In addition to the questionnaire, many organizations are required to conduct periodic vulnerability scans. These scans check whether websites, systems, and networks contain known security vulnerabilities.
After the scan is complete, a report is generated that describes any vulnerabilities found. This report can be used as evidence for banks, payment providers, or auditors.
The purpose of this security standard is to reduce risks associated with payment data. By regularly checking for vulnerabilities and maintaining a documented record of security measures, the risk of data breaches and fraud is reduced.
Trust Guard supports organizations in both aspects of the compliance process. Questionnaires can be easily completed and managed through an online SAQ environment. In addition, Trust Guard performs automatic vulnerability scans and provides clear reports that can be used for compliance purposes.
