Every merchant, payment processor and organisation that stores and processes sensitive card data online must comply with Payment Card Industry Data Security Standards (PCI DSS). Nomupay is certified as a PCI DSS Level 1 (the highest level) service provider that maintains a protected environment for merchants and customers.
What is PCI DSS?
PCI DSS (Payment Card Industry Data Security Standard) is a set of security standards designed to ensure that all companies that process, store or transmit card information maintain a secure environment to reduce the risk of data breaches, identity thefts and other fraudulent as well as criminal activities.
It was developed by the Payment Card Industry Security Standards Council (PCI SSC), founded by major credit card companies like Visa, Mastercard, American Express, Discover and JCB.
Levels of compliance
There are four levels of PCI compliance determined by your annual transaction volume:
Level one: Over six million transactions annually (requires annual onsite audit).
Level two: One to six million transactions.
Level three: 20,000 to one million transactions.
Level four: Less than 20,000 transactions.
Note that every level has different requirements but we are for you if you need any advice.
What are the general PCI DSS requirements?
There are 12 requirements grouped into six categories:
1. Build and maintain a secure network.
• Install and maintain a firewall configuration to protect cardholder data.
• Do not use vendor-supplied defaults for system passwords and other security parameters.
2. Protect cardholder data.
• Protect stored cardholder data.
• Encrypt transmission of cardholder data across open, public networks.
3. Maintain a vulnerability management program.
• Use and regularly update anti-virus software or programs.
• Develop and maintain secure systems and applications.
4. Implement strong access control measures.
• Restrict access to cardholder data by business need-to-know.
• Assign a unique ID to each person with computer access.
• Restrict physical access to cardholder data.
5. Regularly monitor and test networks.
• Track and monitor all access to network resources and cardholder data.
• Regularly test security systems and processes.
6. Maintain an information security policy.
• Maintain a policy that addresses information security for employees and contractors.
Build customer trust
Your customers want to stay protected and be sure that their card data will not be exposed to third parties. Maintain PCI compliance and increase customer confidence in your online shop.
If you need assistance or have any problems, do not hesitate to contact us. We are always here to help our clients become PCI DSS compliant merchants.
Self-Assessment Questionnaire or SAQ is the method of verifying whether your system complies with PCI standards and is suitable for handling sensitive data.
You’ll fill in the questionnaire yourself annually. It consists of different yes-or-no questions for every PCI requirement. After submitting your answers, you’ll receive a security certificate confirming that you’re PCI compliant.
There are different questionnaires for various types of organisations depending on how they accept card payments. If you’re a new merchant and you’re unsure which SAQ to fill in, don’t worry, we’re always on hand to guide you through it.
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