September 21, 2017

Understanding PCI Compliance

As a merchant, you are required to be compliant with the Payment Card Industry Data Security Standard (PCI DSS), a set of comprehensive requirements developed by the major card brands to facilitate the adoption of consistent data security measures.

The core of the PCI DSS is a group of principles and accompanying requirements, around which the specific elements of the DSS are organized:

Build and Maintain a Secure Network

  • Requirement 1 – Install and maintain a firewall configuration to protect cardholder data
  • Requirement 2 – Do not use vendor–supplied defaults for system passwords and other security parameters

Protect Cardholder Data

  • Requirement 3 – Protect stored cardholder data
  • Requirement 4 – Encrypt transmission of cardholder data across open, public networks

Maintain a Vulnerability Management Program

  • Requirement 5 – Use and regularly update anti–virus software
  • Requirement 6 – Develop and maintain secure systems and applications

Implement Strong Access Control Measures

  • Requirement 7 – Restrict access to cardholder data by business need–to–know
  • Requirement 8 – Assign a unique ID to each person with computer access
  • Requirement 9 – Restrict physical access to cardholder data

Regularly Monitor and Test Networks

  • Requirement 10 – Track and monitor all access to network resources and cardholder data
  • Requirement 11 – Regularly test security systems and processes

Maintain an Information Security Policy

  • Requirement 12 – Maintain a policy that addresses information security

PCI Validation Requirements

Important: Since Authorize.Net is not directly involved with establishing, evaluating or validating merchant PCI compliance requirements, we have partnered with Trustwave, a leading provider of information security and compliance management solutions. Trustwave offers convenient PCI tools and validation services at a specially discounted price to Authorize.Net merchants. Learn more about Trustwave's services and pricing options.

Sign Up Now

Merchants interested in signing up for an Authorize.Net Payment Gateway account can contact us at 1.888.323.4289 for more information, or contact an Authorize.Net reseller.

To become a reseller, please contact our sales team at 1.866.437.0491 or via our Reseller Inquiry Form