Payment Card Industry Compliance, PCI DSS Certification & GAP Assessment India

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Companies that carry out any type of payment transaction via credit, debit, or other cards, whether online, offline, or through any other channel, expose themselves to the risk of cybercrime, particularly if they don't have PCI DSS compliance and certification. Malicious Attackers always target such highly confidential and sensitive information (CHD/SAD) for direct theft and fraud. If your company is part of the Payment ecosystem as a Merchant, Processor, or providing any services to these companies can also fall victim to these kinds of cyberattacks. To mitigate these risks, the Security Standards Council (SSC) of the Payment Card Industry (PCI) has formulated numerous controls across several security standards to keep companies and consumers protected. Read more about PCI SSC Standards.

One of such very highly praised security standard is PCI DSS. The Payment Card Industry Data Security Standard (PCI DSS) is a widely accepted global standard recommended by the major Card brands like Visa, Mastercard, JCB, American Express, Discovery. PCI DSS standard is consisting of set of policies and procedures intended to optimize the security of credit, debit and cash card transactions and protect cardholders against misuse of their personal information.

PCI DSS applies to all entities involved in payment card transactions —including merchants, processors, acquirers, issuers, and service providers, as well as all other entities that store, process or transmit cardholder data (CHD) and/or sensitive authentication data (SAD).

Majorly all payment card brands enforcing PCI DSS Compliance at minimum annual basis as per the Levels determined by the various security programmes. Organization needs to Implement 12 core requirements spread across 6 Control Objectives from PCI DSS Standard to ensure their Card Holder Data Environment is secured. Read more about the PCI DSS 4.0 Core 12 Requirements.

Merchants and Service Providers can report their PCI DSS Compliance either Filling applicable the Self Assessment Questionnaire (SAQ’s) or Onsite Assessment by a Qualified Security Assessor as per their Levels. Read our blog ‘Understanding Various Levels of Merchants and Service Providers.

PCI DSS 4.0 is the latest version introduced by the PCI Council on 31st March 2022. All entities get two years’ time for the transition from 3.2.1 to 4.0 i.e., March 2024 if they are already certified for PCI DSS 3.2.1.

PCI DSS Compliance Certification Offerings

The key to implementing robust security controls lies in identifying the right scope, recognizing the difference between compliance and security and in sustaining compliance after successful control implementation.

Business Understanding

Evaluating business process and environment to understand the in-scope elements

Scope Finalization

Finalize the scope elements and prepare the requirement documentation

Readiness Assessment

Identify the potential challenges that might arise during requirement implementation

Risk Assessment

Identifying and analyzing the risks in the information security posture.

Data Flow Assessment

Conducting thorough systems analysis to evaluate data flow and possible leakages

Documentation Support

Assist you with list of policy and procedure to help you in validation or evidence collection

Remediation Support

Support you by recommending solutions to compliance challenges

Awareness Training

Conduct awareness sessions for your Team and personnel involved in the scope

Scans And Testing

Identify critical vulnerabilities in your system with a robust testing approach

Evidence Review

Review of the evidence collected to assess their maturity, in line with the compliance

Final Assessment and Attestation

Post successful assessment, we get you attested for compliance with our audit team

Continuous Compliance Support

Support you in maintaining compliance by providing guidelines

frequently asked questions

What is PCI compliance checklist?

PCI compliance checklist is a tool that helps organizations ensure that they are meeting the requirements of the Payment Card Industry Data Security Standard (PCI DSS). The checklist typically includes a list of requirements and best practices that businesses must follow to achieve compliance.

What is PCI Compliance?

PCI Compliance refers to the set of requirements that businesses and organizations must meet to ensure the secure handling of credit card information. The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards that were established by major credit card companies to help protect against credit card fraud and data breaches.

What is the difference between CHD and SAD ?

Account Data is Organized into two data groups. 1) Card Holder Data (CHD) 2) Sensitive Authentication Data (SAD). CHD covers the Data elements like Primary Account Number (PAN), Cardholder Name, Service Code and Expiration Date. CHD is useful to identify the Card holder, where in SAD Covers data elements like Track Data, CVV, CVC, CAV, CID, PIN / PIN Block. SAD is used for authorizing the card holder to do the transactions.

If I am using a third-party to process payments, or an ecommerce platform, do I still need to worry about PCI compliance ?

Yes, even if some of the payment processes may reduce your risk of breach or what is in scope for PCI compliance, business cannot ignore it.

To Whom Does The PCI DSS Apply ?

PCI DSS standard can be applied to any organization that accepts, transmits or stores any cardholder data regardless of size or number of transactions.

If I Only Accept Credit Cards Over The Phone, Does PCI DSS Still Apply To Me ?

Yes. any processing, storing or transmitting of payment cardholder data needs to be done under a PCI Compliant environment.

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PCI DSS Certification

PCI DSS Compliance Certification Offerings

Business Understanding

Scope Finalization

Readiness Assessment

Risk Assessment

Data Flow Assessment

Documentation Support

Remediation Support

Awareness Training

Scans And Testing

Evidence Review

Final Assessment and Attestation

Continuous Compliance Support

frequently asked questions

What is PCI compliance checklist?

What is PCI Compliance?

What is the difference between CHD and SAD ?

If I am using a third-party to process payments, or an ecommerce platform, do I still need to worry about PCI compliance ?

To Whom Does The PCI DSS Apply ?

If I Only Accept Credit Cards Over The Phone, Does PCI DSS Still Apply To Me ?

Related Updates

Rising Threats in Digital Payments.

Navigating PCI DSS : A Guide for Online Merchants.

Cardholder Security: Top Tips for Fraud Prevention.

Ensure PCI DSS Compliance : Best Practices for Call Centres.

Leveraging Compliance To Remodel IT Strategy And Governance For A Global BPO.

Securing Payment Data: Study of a National Bank achieving PCI Certification.

Challenges Faced In Scoping Implementing PCI DSS.

PCI DSS v4.0 - New and Mandatory Controls.

PCI DSSv4.0 Best practice until 31st March 2025.

Post PCI DSS Certification Activities.

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