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

Merchant
Level

Selection Criteria Validation Actions Validated By
1

Any merchant, regardless of acceptance channel, processing more than 6,000,000 Visa transactions per year

Any merchant that has suffered a hack or an attack that resulted in an account data compromise

Any merchant identified by any card association as Level 1

Annual on-site security audit and quarterly network scan

Independent security assessor or internal audit if signed by an officer of the company

Qualified independent scan vendor

2

1 million - 6 million Visa or MasterCard transactions per year

Annual PCI Self-Assessment Questionnaire and quarterly network scan

Merchant qualified independent scan vendor

3

20,000 - 1 million Visa or MasterCard e-commerce transactions per year

Annual PCI Self-Assessment Questionnaire and quarterly network scan

Merchant qualified independent scan vendor

4

Less than 20,000 Visa or MasterCard e-commerce transactions per year, and all other merchants processing up to 1 million Visa or MasterCard transactions per year

Recommended annual PCI Self-Assessment Questionnaire and quarterly network scan

Merchant qualified independent scan vendor

Note: While compliance is mandatory for Level 4 Merchants, validation is optional but strongly recommended

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.

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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