Back to Glossary

PCI DSS

What Is PCI DSS?

PCI DSS stands for Payment Card Industry Data Security Standard established to enhance payment security processes in terms of cardholder data protection.

What Is PCI DSS?

PCI DSS stands for Payment Card Industry Data Security Standard established to enhance payment security processes in terms of cardholder data protection.

What Is PCI DSS Compliance?

PCI compliance means adherence to the 12 data security policies founded by the Payment Card Industry Security Standards Council to protect cash, credit & debit card transactions and forbid the fraudulent use of the cardholder’s personal data.

Who Needs To Comply

If you are an owner of an eCommerce or physical store that accepts and processes cards for payments, regardless of the number and amount of transactions, then you must fulfill PCI DSS requirements.

However, your required level of compliance assessment will be defined by the annual transaction volume (you will fall into one of the 4 merchant levels of compliance). For example, if you are a small-to-medium business, you will be defined as a level-4 merchant.

PCI DSS Requirements

Here are twelve principal cardholder data security terms:

  • Install and keep up a firewall configuration for data protection.
  • Ensure that users do not keep using merchant-supplied default passwords and other parameters.
  • Protect the saved data of a cardholder.
  • Encrypt data transmission across open networks.
  • Regularly update anti-virus programs and protect your systems against malware.
  • Develop and carry on secure systems.
  • Restrict access to cardholder information (it can be accessed only by people who absolutely need it for business operations).
  • Authenticate access to the system.
  • Limit physical access to the data of a cardholder.
  • Keep track of all access to the system resources and cardholder data.
  • Often test your security systems on a regular basis.
  • Provide an information security policy for your employees.

eCommerce Roles & Responsibilities For Meeting PCI DSS Requirements

Depending on the type of eCommerce solution (in-house, outsourced or hybrid), the eCommerce roles are distributed differently to ensure the meeting of PCI requirements:

  • In the case of an in-house eCommerce solution, the seller is fully responsible for falling in with all the relevant PCI DSS requirements.
  • For hybrid or outsourced systems, the seller and service provider share the responsibility for complying with these data requirements. Yet, it’s the responsibility of the merchant to ensure that the service provider protects the privacy of the payment information that is kept or processed on the seller’s behalf.

Vulnerabilities Caused by Insecure Coding Practices

Insecure coding in eCommerce leads to certain risks and challenges such as: injection flaws of potentially malicious data, cross-site scripting (when an attacker can locate the code in the victim’s browser and redirect them to a fraudulent website), buffer overflows (can change the system configurations, damage or disclose confidential information) and weak credentials for authentification and session (not strong enough passwords or vulnerable browser sessions).

Some other vulnerabilities include security misconfigurations (weak or not changed default passwords, and unconfident settings for remote access).

PCI DSS FAQ

Should I store a customer’s credit card data?

According to PCI DSS requirements, sensitive authentication data (SAD) cannot be stored after the authentication. As for cardholder information, the security standard says that its storage should be narrowed down to that which is necessary for business, legal or regulatory needs.

What are some examples of PCI DSS compliant eCommerce platforms?

BigCommerce, Shopify, Amazon, and eBay are examples of eCommerce platforms that meet the PCI DSS standards.

What are some examples of PCI validated payment applications?

Here are the examples of payment apps that have  PCI DSS certification: Andy Payment, Aldelo POS, Aptify, SmartVista Suite, iGate, D-TEF, HRS Payment Gateway, ChargeItPro, TransAction+, WAY4, NanoPay, etc. Apart from these payment applications, there are many more that are PCI validated.

You May Find It Interesting

EPREL Case Studies

Product Data Export To EPREL Database: 3 Success Stories

Product data entry to EPREL database: explore real cases and learn how Gepard helped comply with energy labeling regulations.

Read more
Gepard Features Hub: Digital Shelf Analytics For eCommerce

4 Key Performance Indicators in Digital Shelf Analytics Software

Explore essential digital shelf analytics KPIs such as search rankings, conversion rates, content quality, and pricing competitiveness.

Read more
EPREL Data Entry Service Providers

EPREL Data Entry Service Providers: What to Look For

EPREL data entry provider play a pivotal role in ensuring compliance, alleviating the burden of data management

Read more
Free PIM Audit Service
2 min read
Gepard Updates

Gepard PIM Launches Free PIM Audit Service

Our team understands the challenges businesses face in PIM, which is why we're thrilled to introduce our Free PIM Process Audit.

Read more
6 Key Tactics for Optimized EPREL Data Input

6 Key Tactics for Optimized EPREL Data Input

In this article, we delve into the role that EPREL data entry plays in securing adherence to regulations and accuracy in product data.

Read more
Top 5 Benefits of AI Mapping for Business

Top 5 Perks Of AI Mapping For Business

Discover how AI mapping can transform your business. Our article delves into the top five advantages of AI Mappings.

Read more
5 Key Features Your Product Data Syndication Platforms

5 Key Features Of Product Data Syndication Platform

Explore key features of the PIM tool and product content syndication for efficient product data management and successful eCommerce strategy.

Read more
Shopify-App-Interview
3 min read
Blog

Sergii Shvets Interview: Gepard’s Integration Journey With Shopify to Drive eCommerce

Explore key perspectives on the role of PIM solution in empowering businesses to navigate the evolving eCommerce platforms.

Read more
Implementing Product Information Syndication: 8 Best Practices

Implementing Product Information Syndication Software: 8 Best Practices

Implement these product data syndication best practices for eCommerce success. Boost efficiency and compliance with Gepard.

Read more
8 Main Challenges In Product Content Distribution

Product Content Distribution: 8 Main Challenges

Discover the 8 main challenges & best practices in product content distribution and how a PIM tool can address them.

Read more

Let’s Get In Touch

Need to contact us? Just use this form

Gepard Privacy Policy
Success