The Payment Card Industry Data Security Standard (PCI DSS) is a set of technical and operational requirements designed by principal payment industry institutions to safeguard cardholder data. PCI DSS applies to all entities that store, process or transmit cardholder data. Merchants need to comply with the following requirements that represent the default security controls for their business:

Build and Maintain a Secure Network and Systems

  • install and maintain a firewall configuration to protect cardholder data

  • do not use vendor-supplied defaults for system passwords and other security parameters.

Protect Cardholder Data

  • protect stored cardholder data

  • encrypt transmission of cardholder data across open, public networks.

Maintain a Vulnerability Management Program

  • use and regularly update anti-virus software

  • develop and maintain secure systems and applications.

Implement Strong Access Control Measures

  • restrict access to cardholder data by business need-to-know

  • identify and authenticate access to system components

  • restrict physical access to cardholder data.

Regularly Monitor and Test Networks

  • track and monitor all access to network resources and cardholder data

  • regularly test security systems and processes.

Maintain an Information Security Policy

  • maintain a policy that addresses information security for all personnel.

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