SAQs are for merchants who are level 2 to 4 (based upon total transactions per annum) and level 2 service providers. There are nine different SAQs and potentially much confusion as to which version should be used. PGI can assist with clarifying this, which can significantly reduce your compliance overheads. SAQs include elements of independent attestation by a Qualified Security Assessor (QSA) if you wish to increase the validity of the report.
PCI DSS – the fundamentals for merchants and service providers to be compliant.
Ensure payment card information is stored, processed and transmitted in a secure environment.
What is PCI DSS Compliance
The Payment Card Industry Data Security Standard (PCI DSS) is a set of security requirements endorsed by the five most globally influential payment brands: Visa, Mastercard, JCB, Discover and American Express.
It is a mandatory annual requirement for any business (merchant or service provider) which stores, processes or transmits payment card data, to attest their compliance with the standard. PCI DSS attestation demonstrates that your business uses and protects the confidential payment data of your customers in a safe and secure way, minimising risks associated with payment card fraud.
Why is PCI DSS important?
Payment card security ranks as one of the most important security concerns for consumers and businesses that accept all types of card payment transactions, either in person (card present) or online and over the telephone (card-not-present).
According to the Verizon 2019 Payment Security Report, only 36.7% of organisations globally were actively maintaining payment security compliance. The introduction of stricter data protection laws, such as GDPR, and increased regulatory scrutiny should focus organisations’ attention even more on PCI DSS compliance.
With the increasing importance of the digital economy and online businesses, it’s crucial to have the right security controls in place to ensure customer payment information is secure.
What does PCI DSS compliance look like?
You will be asked by your bank to complete at least one of the following each year depending on your status and the type of payment channels in use.
Self-Assessment Questionnaire (SAQ)
Report on Compliance (ROC)
ROCs are for level 1 merchants (6 million transactions a year) and level 1 service providers (300,000 transactions per year). It is compulsory that a QSA completes this report and provides an independent confirmation of your compliance status. ROCs must be accompanied by a completed Attestation of Compliance (AOC) report.
How PGI can help you achieve PCI DSS Compliance
Outsourcing your PCI DSS compliance requirements provides peace of mind and ensures internal staff can concentrate on your core operations. We can scope your requirements, identify areas that require improvement, implement security measures, undertake auditing and reporting functions, and help you remain compliant.
Regardless of its current position on the PCI DSS journey, we support your organisation to meet its compliance needs:
PCI scope validation Read more Read less
A scope validation ensures your organisation has correctly evaluated in-scope systems, people and processes. Conversely, it can also confirm that you are not over-reporting, which saves time and reduces costs. Our team can provide expert validation of compliance scope, assessment for scope reduction, Self-Assessment Questionnaire (SAQ) determination, and employee awareness and training sessions.
PCI gap analysis Read more Read less
Understanding where your organisation currently sits with respect to the requirements of PCI DSS can be used to facilitate effective project planning, resource forecasting and budgeting. Our team can undertake a gap analysis to gain an in-depth understanding of where efforts should be focused, by reviewing existing policies, processes, and controls relevant to the cardholder data environment to determine your current level of compliance.
PCI implementation Read more Read less
Assistance from an external Qualified Security Assessor (QSA) in implementing PCI control measures ensures that the measures are pragmatic and appropriate. Our team can put in place—or help your team put in place—the control measures that ensure compliance with PCI DSS.
PCI audit and compliance reporting Read more Read less
We can support your organisation with the completion of the required reports—either SAQs or a full QSA-led Report on Compliance (ROC). This ensures peace of mind, particularly around the credibility of the content.
Staying PCI compliant Read more Read less
To reduce the likelihood of ‘next year noncompliance’ syndrome PGI’s PCI DSS consultants can assist you with maintaining and continuously improving security. To remain PCI DSS compliant, companies must complete mandatory testing, which PGI can provide. This includes internal vulnerability assessments as well as internal and external penetration
testing and segmentation testing (where applicable). We can also help in reviewing business or system changes and the impact these have on your PCI scope and reporting requirements.
Ready to get started? Speak to one of our experts.
If you have any questions about our services or would like to learn more about our consultants here at PGI, please get in touch with us and speak with one of the team, call us on +44 (0)845 600 4403 or email us at email@example.comGet in touch
Why choose PGI to help you become PCI DSS certified?
At PGI, we’re proud to be among a select group of assessors recognised and acknowledged by the PCI Security Standards Council (SSC) for expertise, experience, and professionalism in the field of payment card data security.
As approved Qualified Security Assessors (QSA), we assess compliance to the latest standard (currently PCI DSS 3.2.1), helping you to minimise the reputational and financial risks associated with non-compliance, and ensure you’re demonstrating an ongoing commitment to security.
Remote or onsite Read more Read less
Our PCI DSS consulting services can be undertaken onsite or remotely, dependent upon your safety and risk management processes.
Trained and certified security consultants Read more Read less
Our world-class security consultants have been trained and certified by the SSC to carry out client assessments and provide guidance to entities who handle card data.
Tailored to your needs Read more Read less
Whether your company is a large multinational corporation or an SME, PGI can help you meet PCI DSS requirements. Solutions are affordable because they are proportionate only to a client’s needs, not a blanket approach.
Vendor-neutral advice Read more Read less
PGI are vendor-neutral, so we will always act in your best interests when assessing your risks and offering a solution.
Global and cross-sector experience Read more Read less
PGI are made up of personnel with backgrounds in security, law enforcement, intelligence, the military and academia and have implemented information security measures across a wide range of industries in more than 50 countries.