GUIDE TO PCI COMPLIANCE MERCHANT LEVELS
PCI requirements vary based on transactions processed annually which determines your merchant level. This guide provides you with an overview of.
Revised PCI DSS Compliance Requirements for L2 Merchants
Level 2 merchants that chose to validate their annual compliance validation by successfully completing an SAQ a self-validation tool to assess security for
Understanding the SAQs for PCI DSS version 3
Note: Entities should ensure they meet all the requirements for a particular SAQ before using the SAQ. Merchants are encouraged to contact their merchant bank (
MERCHANT & SERVICE PROVIDER LEVELS & VALIDATION
Any service provider that is not in Level 1. Required LEVEL CRITERIA. ON-SITE ... HOW TO VALIDATE COMPLIANCE WITH THE PCI DATA SECURITY STANDARD.
Small Merchant Security Program Requirements – UPDATE
31 déc. 2015 Effective 31 January 2017 acquirers must ensure Level 4 merchants annually validate PCI DSS compliance or participate in the Technology ...
PCI DSS v3.2.1 Quick Reference Guide
The PCI SSC sets the PCI Security Standards but each payment card brand has its own program for compliance
Self-Assessment Questionnaire A - and Attestation of Compliance
PCI DSS and provide a high-level description of the types of testing activities that should be performed in order to verify that a requirement has been met
Guidance for Level 4 Merchant Risk Management Program
? Regularly communicate PCI DSS compliance requirements to high-risk Level 4 merchants. This formal communication could be through the use of emails letters
Information Supplement: PCI DSS Tokenization Guidelines
merchant systems and applications may not need the same level of security protection system components for which PCI DSS requirements apply.
Visa
Q: Which of the PCI DSS requirements pertain to ATM vendors In accordance with Visa-defined merchant1 PCI DSS compliance validation levels
GUIDE TO PCI COMPLIANCE MERCHANT LEVELS - SecurityMetrics
PCI Requirements • Annual Report on Compliance (ROC) by Qualified Security Assessor (QSA) • Quarterly network scan by Approved Scanning Vendor (ASV) • Penetration Test • Internal Scan • Attestation of Compliance Form GUIDE TO PCI COMPLIANCE MERCHANT LEVELS LEVEL 2 MERCHANT Merchant processing 1000000 - 6000000 Visa transactions annually
GUIDE TO PCI COMPLIANCE MERCHANT LEVELS
To be eligible for SAQ B-IP merchants must be using payment terminals that have been approved under the PCI PTS program and are listed on the PCI SSC website as approved devices Note that merchants using the Secure Card Reader (SCR) category of devices are NOT eligible for SAQ B-IP
PCI DSS v321 Quick Reference Guide - PCI Security Standards
PCI Security Standards are technical and operational requirements set by the PCI Security Standards Council (PCI SSC) to protect cardholder data The standards apply to all entities that store process or transmit cardholder data – with requirements for software developers and manufacturers of applications and devices used in those transactions
Guidance for Level 4 Merchant Risk Management Program
Requirements When implementing a Level 4 merchant risk management program an acquirer must include the following elements: Know who your Level 4 merchants are A merchant that is not deemed to be a SDP L1 L2 or L3 merchant is a L4 merchant Rank your Level 4 merchants based on risk
Payment Card Industry (PCI) Data Security Standard Self
PCI DSS SAQ A v3 0 Section 1: Assessment Information February 2014 Section 2: Self-Assessment Questionnaire A Note: The following questions are numbered according to PCI DSS requirements and testing procedures as defined in the PCI DSS Requirements and Security Assessment Procedures document
Searches related to pci merchant level requirements filetype:pdf
Self-Assessment Questionnaire (SAQ) A includes only those PCI DSS requirements applicable to merchants with account data functions completely outsourced to PCI DSS validated and compliant third parties where the merchant retains only paper reports or receipts with account data
What is a merchant under PCI DSS?
- DEFINITION OF A MERCHANT. For the purposes of the PCI DSS, a merchant is defined as any entity that ac- cepts payment cards bearing the logos of any of the five members of PCI SSC (American Express, Discover, JCB, MasterCard or Visa) as payment for goods and/or services.
Who is responsible for PCI DSS compliance?
- The Council is responsible for managing the security standards, while compliance with the PCI set of standards is enforced by the founding members of the Council: American Express, Discover Financial Services, JCB, MasterCard and Visa Inc. The PCI DSS applies to all entities that store, process, and/or transmit cardholder data.
Is sampling required by PCI DSS?
- Sampling is not required by PCI DSS. Sampling does not reduce scope of the cardholder data environment or the applicability of PCI DSS requirements. If sampling is used, each sample must be assessed against all applicable PCI DSS requirements.
What is a PCI DSS Self-Assessment Questionnaire (SAQ)?
- The PCI DSS self-assessment questionnaires (SAQs) are validation tools intended to assist merchants and service providers report the results of their PCI DSS self-assessment. The different SAQ types are shown in the table below to help you identify which SAQ best applies to your organization.
MASTERCARD SITE DATA PROTECTION (SDP) PROGRAM
Guidance for Level 4 Merchant Risk
Management Program
JULY 2018
©2018 MASTERCARD. PROPRIETARY. ALL RIGHTS RESERVED. PAGE 1Background
Mastercard Site Data Protection (SDP) Program
rules require all entities that store, transmit, or process cardholder data, regardless of siz e, to comply with all P ayment Card Industry Data Security Standard (PCI DSS) requirements. Merchants with one million or fewer card-present transactions and 20,000 or fewer e-commerce transactions are defined by Mastercard as Level 4 merchants. Although an acquirer is not required to validate thePCI DSS compliance status of its Level 4
merchants to Mastercard, a Level 4 merchant is still required to be PCI DSS compliant and may validate compliance by successfully completing an annual Self-Assessment Questionnaire (SAQ) and quarterly network scans conducted by a Payment Card Industry Security Standards Council (PCI SSC)Approved
Scanning Vendor (ASV)
. A Level 4 merchant may alternatively, at their own discretion, engage a PCI SSC approved Qualified Security Assessor (QSA) for an onsite assessment.Update
In the
Global Operations Bulletin
No. 3, 1 March 2017, Mastercard announced revisions to the SDP Program Standards. Revisions to the Program include an acquirer certification of a Level 4 merchant risk management program. Effective 31 March 2019, an acquirer must certify to Mastercard that it has a risk management program in place to identify and manage security risk within the acquirer's Level 4 merchant portfolio.Guidance
This guidance document is intended to provide requirements and recommendations for an acquirer looking to implement a Level 4 risk management program by 31 March 2019 to meet SDP Program requirements.An acquirer's compliance
program for Level 4 merchants must meet all requirements. If an acquirer has an existing risk management program that meets the requirements detailed below, the acquirer is not obligated to change the contents of their current program. The program may or may not include the below recommendations. Each acquirer is responsible for determining the most effective methods to manage their risk for their Level 4 merchants.Requirements
When implementing a Level 4 merchant
risk management program, an acquirer must include the following elements: Know who your Level 4 merchants are. A merchant that is not deemed to be a SDPL1, L2, or L3 merchant is a L4 merchant.
Rank your Level 4 merchants based on risk.
- Categorize merchants by industry verticals (hospitality, retail, grocery, etc.) - Understand how merchants accept payments (dial-up terminals, IP connected terminals, networked terminals, fully outsourced, e-commerce, etc.) - Identify high-risk merchants (for example, merchants with large networks of connected POS systems processing payments) vs. low-risk merchants (for example, merchants with a single dial-up terminal) - Identify use of third parties such as terminal servicers that may impact the underlying security of your merchants Regularly communicate PCI DSS compliance requirements to high-risk Level 4 merchants. This formal communication could be through the use of emails, letters, mailers, newsletters, contracts, account statements, etc. Manage and set deadlines for your high-risk Level 4 merchants to submit PCI DSS validation documents. An effective alternative to full PCI DSS validation may include utilizing thePCI DSS Prioritized Approach
which provides a framework for compliance efforts using six security milestones to help identify the highest risk targets within an organization. Validate your high-risk Level 4 merchants' compliance with the PCI DSS. Review merchant submissions of SAQs, network scan reports, and Reports on Compliance (ROC), if applicable, to determine that a merchant is in compliance with the PCI DSS. It is the acquirer's responsibility to monitor a merchant's compliance and ensure that merchants are protecting cardholder data in accordance with the PCI DSS.An additional - yes or no -
question has been added to theSDP Acquirer Submission
and Compliance Status Form for acquirers to attest to having a risk management program in place for theirLevel 4 merchant portfolio.
The new data field on the
form will need to be completed by the acquirer beginning 31 March 2019.ACQUIRER
CERTIFICATION OF L4
MERCHANT RISK
MANAGEMENT
PROGRAM
If an acquirer has an existing risk
management program that meets the requirements detailed below, the acquirer is not obligated to change the contents of their current program.The PCI SSC's Payment
Protection Resources for Small
Merchants may be helpful with
the identification of merchant acceptance channels.Specifically, the
Common
Payment Systems document
provides real-life visuals to help identify what type of payment system small businesses use, the kinds of risks associated with their system, and actions small merchants can take to protect it. ©2018 MASTERCARD. PROPRIETARY. ALL RIGHTS RESERVED. PAGE 2Recommendations
When implementing a Level 4 merchant
risk management program, an acquirer should consider the following elements: Encourage your Level 4 merchants to use payment technologies that devalue and desensitize payment card data . Secure payment technologies include EMV, validatedPoint-to-Point Encryption (P2PE) Solutions
listed on the PCI SSC"s website, and T okenization products. Encourage your Level 4 merchants to utilize the latest approved PCI PIN Transaction Security (PTS) devices (currently version 5.x). Merchants implementing new payment devices must use only PCI PTS-approved devices in their payment environments. Ensure that your Level 4 merchants use only PCI DSS compliant Service Providers. The Mastercard SDP Compliant Registered Service ProviderList is updated monthly and
only lists Service Providers that have been registered with Mastercard and have successfully completed an onsite assessment conducted by a PCI SSC approved QSA. Validate that your Level 4 merchants use payment applications that are compliant with the Payment Card Industry Payment Application Data Security Standard (PCI PA- DSS), as applicable. Payment applications that are eligible for PCI PA-DSS validation are defined in thePCI PA-DSS Program Guide.
Recommend that your Level 4 merchants use a Qualified Integrator & Reseller (QIR) listed on the PCI SSC website when implementing or supporting a payment application compliant with the PCIPA-DSS.
Encourage your high-risk Level 4 merchants to engage a PCI SSC approved QSA or use a PCI Internal Security Assessor (ISA) when assessing their PCI DSS compliance. Provide awareness to your Level 4 merchants on the most common points of compromise occurring in small merchant networks including but not limited to: - Insecure remote access, which amounts to the initial point of entry of nearly80% of all Level 4
merchant compromises. Ensure your Level 4 merchants adhere to PCI DSS requirements on properly securing remote access. - Insecure third party Service Providers, for example, POS vendors and terminal servicers, which account for a significant percentage of Level 4 merchant account data compromises. Even if a Service Provider does not store, does not process, and does not transmit cardholder data, but is connected -to or has access to cardholder data (whether intended or not), that Service Provider could impact the security of cardholder data and must be validated compliant with all applicable PCI DSS requirements.For More Information
For more information on an acquirer's Level 4
merchant risk management program, please send an email to the SDPProgram mailbox:
sdp@mastercard.com . In addition, the following resources are available to you:Mastercard
The Mastercard PCI 360 website contains complimentary information including white papers and webinars on cardholder data security. This site offers beginner to exp ert level training curricula suitable for merchants of all sizes and complexity. Mastercard PCI 360 Education Portal: www.mastercard.com/pci360 Mastercard Site Data Protection Program Site: www.mastercard.com/sdp The Payment Card Industry Security Standards CouncilThe PCI SSC provides a wide array of documentation on its website as well as a micro-site" dedicated to small merchants.
PCI Security Standards Council Site:
www.pcisecuritystandards.org PCI Payment Protection Resources for Small Merchants Site: www.pcisecuritystandards.org/merchants/The goal of
your L4 merchant risk management program is to identify and manage security risk within your L4 portfolio as well as help protect merchants from account data compromises.Do your L4 merchants use only:
Secure payment
technologies (EMV, P2PE,Tokenization)
Approved PCI PTS devices
PCI DSS compliant Service
Providers
QIRs to implement PCI PA-
DSS payment ap
plicationsSecure remote access
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