Payment Card Industry Data Security Standard (PCI DSS) Certification

Protect customer payment data and
protect your business from data breaches

Payment Card Industry – Data Security Standard popularly known as PCI -DSS is the security standard laid out by the PCI Security Standards Council.

The standard outlines the technical and operational requirements required to protect cardholder data.

About PCI – DSS

The PCI DSS standard consists of 12 requirements categorized to achieve 6 domains.

Domain PCI – DSS Requirements
Build and Maintain a Secure Network and Systems 1. Install and maintain a firewall configuration to protect cardholder data
2. Do not use vendor-supplied defaults for system passwords and other security parameters
Protect Cardholder Data 3. Protect stored cardholder data
4. Encrypt transmission of cardholder data across open, public networks
Maintain a Vulnerability Management Program 5. Protect all systems against malware and regularly update antivirus software or programs
6. Develop and maintain secure systems and applications
Implement Strong Access Control Measures 7. Restrict access to cardholder data by business need to know
8. Identify and authenticate access to system components
9. Restrict physical access to cardholder data
Regularly Monitor and Test Networks 10. Track and monitor all access to network resources and cardholder data
11. Regularly test security systems and processes
Maintain an Information Security Policy 12. Maintain a policy that addresses information security for all personnel

The PCI DSS standards applies to everyone in the payment card service chain - to all entities that store, process or transmit cardholder data.

In PCI terms - the standard applies to Merchants and Service Providers.

Simply put, if you accept or process payment cards – PCI DSS is a mandatory compliance requirement.

Having PCI DSS Certification saves businesses from both monetary and reputational damages. This is because all the 12 requirements composed by PCI SSC provides trust to customers that your business is safe to operate and associate with.

The compliance certification efficiently keeps breaches at bay and saves an organization from multiple impediments. According to cybersecurity and payment card industry experts, it is advisable to invest in PCI best industry practices and assure adherence. The added need for doing a yearly recertification assessment allows a business to be at par with evolving cybersecurity threats.

Our Approach to PCI – DSS Certification

Our team of Qualified Security Assessors (QSAs) bring to the table their vast experience on payment card domain across industry verticals to make compliance easy for you. At Crossbow Labs, our methodology is our biggest asset when providing PCI DSS consulting and implementation support.

  • Scope Formulation

    Involves identification of all the system components which store, process or transmit cardholder data.

    Network segmentation is used as a trump card to reduce the scope. It is done by isolating the cardholder data environment from the rest.

  • Gap Analysis

    Involves comparing the status of information security controls present in the organization against the requirements outlined in the PCI-DSS standard.

    We provide recommendation / advisory wherever there is a challenge to meet the requirements outlined in the PCI-DSS standard.

  • Implementation Assistance

    There comes an all-or-nothing stage in the effort of achieving PCI DSS compliance. And, this is when the implementation or correction of security controls make all the difference.

    For technical support we also bring in our Engineering team to play. Our Engineering team brings in the technical expertise for threat modelling, vulnerability identification and management.

  • Final Audit

    This is a due diligence exercise to be performed right before the PCI DSS compliance certification.

    This involves ensuring all the policy documents are up to date, all the gaps and recommendations have been effectively addressed and the teams are fully prepared for certification.

  • Certification

    PCI-DSS certification requires collection of all the evidences by the Qualified Security Assessor (QSA), preparing a report to explain the adherence to all the requirements in the PCI-DSS standard and validating them with observations of processes, configurations and discussions.

    And yes this is a yearly recertification assessment.

We can Support You with

PCI-DSS is one of our favourite information security standards in the offering. Not only because it is one among the mature information security standards out there, but also because it is evolving, community centric and its free for anyone to follow.

We can get you started on a roadmap towards successful certification and sustained compliance. Get Started

If you are already on your compliance path or looking to renew your certification, we can assist you in the last leg of your success – a PCI – DSS certificate.

We do a quick reconnaissance of your set up and get started on the final audit to get you certified. Get Started

Our tailor-made PCI DSS training program can help you get started on a training program to cater to the roles and responsibilities of the key players in your compliance roadmap. Our training program is designed to

  • Upgrade the security culture
  • Lower the likelihood of data loss, and
  • Make PCI DSS requirements easy to comprehend and implement. Know More

We also offer support services to help address all the technical roadblocks towards PCI DSS compliance.

Resource Centrale

Our Perspective

1. Is the Data Security Standard same for all entities dealing with cardholder data?

PCI Security Standards Council addresses 2 types of entities that deal with cardholder data, Merchant and service provider in the Data security standard. There are certain requirements in the PCI DSS which has to be met only by Service provider.

Further, The council has created Self attestation questionnaires (SAQs) for all those merchants and service providers whose risk profile is not significant and can go for these SAQs as requested by acquiring banks or payment brands.

Currently there are 8 PCI FAQs which are created for various types of mechants.

For detailed explanation on FAQs, read our blog on “ What is the Right SAQ for You?”

2. Do business entities that have 3rd Party payment processors, require to be PCI DSS compliant?
Yes, all the business entities accepting cards (as a payment option) or dealing with card numbers otherwise have to be PCI DSS compliant. However, it must be noted that the number of applicable requirements and efforts might reduce to validate compliance.
3. What does it mean to be PCI DSS compliant?
To be PCI DSS compliant, your organisation needs to meet the 12 requirements and 300 sub requirements outlined in the PCI DSS standard. To acknowledge that your organisation has met the 12 requirements, you need to touch base with a Qualified Security Assessor (QSA) who can examine your environment and can validate your compliance.
4. What is a PCI certificate?

A Qualified Security Assessor (QSA) will perform an audit of your operating environment and will evaluate It against the 12 requirements and 300 sub requirements mentioned in the PCI DSS standard.

On successful evaluation, the QSA will award your organisation a PCI- DSS Compliance Certificate. The Certificate will be your badge of honor recognizing the efforts taken towards prioritizing security.


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