Marvin Technology offers assistance and consulting with your PCI compliance and remediation issues. We offer a wide range of solutions from Camera Systems to Internet Security Scanners and Firewalls to help you pass your self-assessment requirements.
What is PCI Compliance?
The Payment Card Industry Data Security Standard (PCI DSS) is a worldwide information security standard defined by the Payment Card Industry Security Standards Council. The standard was created to help organizations that process card payments prevent credit card fraud through increased controls around data and its exposure to compromise. The standard applies to all organizations which hold, process, or exchange card holder information from any card branded with the logo of one of the card brands.
Validation of compliance can be performed either internally or externally, depending on the volume of card transactions the organization is handling, but regardless of the size of the organization, compliance must be assessed annually. Organizations handling large volumes of transactions must have their compliance assessed by an independent assessor known as a Qualified Security Assessor (QSA), while companies handling smaller volumes have the option of self-certification via a Self-Assessment Questionnaire (SAQ). In some regions these SAQs still require signoff by a QSA for submission.
Enforcement of compliance is done by the bodies holding relationships with the in-scope organizations. Thus, for organizations processing Visa or MasterCard transactions, compliance is enforced by the organization’s acquirer, while organizations handling American Express transactions will deal directly with American Express for the purposes of compliance. In the case of third party suppliers such as hosting companies who have business relationships with in-scope organizations, enforcement of compliance falls to the in-scope company, as neither the acquirers nor the card brands will have appropriate contractual relationships in place to mandate compliance. Non-compliant companies who maintain a relationship with one or more of the card brands, either directly or through an acquirer, risk losing their ability to process credit card payments and being audited and/or fined.