Why compliance to PCI requirements is important?
To do business online it is important to maintain a secure gateway for processing payments. Only then you can expect to win trust of your customers. When you get a merchant gateway or PoS from your issuing bank, they also ask you to comply with PCI requirements. These are set of requirements which are set globally to prevent some known issues which can lead of breach and leak of sensitive data. In case there is a breach due to know issues which are in PCI requirements for compliance, banks impose heavy fines on you. Thus, it is very important to meet all PCI requirements which are in your merchant gateway.
Generally, there are around 12 PCI requirements which each merchant has to comply with but when broken individually, the number increases to over 200. Following are some common PCI requirements which every merchant should comply with:
Installation and frequent software update: All the software which are installed on computers should be updated frequently. Also, a state of art antivirus should be installed and updated on regular basis as viruses can get into your system in number of ways and your antivirus should be able to eliminate all known viruses.
Developing secure applications and systems: All the custom applications should be written by keeping secure programming in mind. Also the flaws which can allow unauthorized access should be correctly as and when detected. It is important to install necessary patches to fix those issues.
Restricting access to cardholder data: More the number of people, who have access to sensitive card holder data, more are the chances of getting it leaked. It should be made sure that only small number of people has access to sensitive data.
Assigning unique ID for each user: If you have many people working, then it is important to assign unique ID for each user. It allows system to keep track and in case of any problem, the origin of root and steps done can be easily traced.
Restricting physical access to data: Among other important PCI requirements, restricting physical access to data is most important. You don’t want any to walk away easily with hard copies of your disk or carrying it in USB.
Regular test of security system: All the security systems should be tested regularly and you should discover vulnerabilities in your systems before hackers do it. This will help you to keep your system updated.
Visit http://www.worldpay.us/247/pci-about-req.htm to complete PCI requirements for secured transactions.
Processing your request, Please wait....
