Podcast
Questions and Answers
What is the most common way cardholder data is collected for processing?
What is the most common way cardholder data is collected for processing?
Which type of transaction involves chip and pin devices?
Which type of transaction involves chip and pin devices?
What is the mandatory compliance standard for organizations handling debit and credit card data?
What is the mandatory compliance standard for organizations handling debit and credit card data?
What enforces PCI DSS compliance for merchants?
What enforces PCI DSS compliance for merchants?
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When is there a contractual agreement for service providers to be PCI DSS compliant?
When is there a contractual agreement for service providers to be PCI DSS compliant?
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Apart from a few USA states, what governs PCI DSS compliance for service providers without a direct relationship with a bank or brand?
Apart from a few USA states, what governs PCI DSS compliance for service providers without a direct relationship with a bank or brand?
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What does the Information Commissioner’s Office (ICO) in the UK regard as the technical standard for compliance in protecting payment card data?
What does the Information Commissioner’s Office (ICO) in the UK regard as the technical standard for compliance in protecting payment card data?
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Which entity is defined as any business that accepts payment cards from Visa, Mastercard, American Express, Discover, JCB, or UnionPay?
Which entity is defined as any business that accepts payment cards from Visa, Mastercard, American Express, Discover, JCB, or UnionPay?
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What type of organization should be classified as a service provider if it could impact the security of cardholder data?
What type of organization should be classified as a service provider if it could impact the security of cardholder data?
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Which SAQ should all self-assessing service providers complete?
Which SAQ should all self-assessing service providers complete?
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What type of entity is directly involved in the processing, storage, or transmission of cardholder data on behalf of another entity?
What type of entity is directly involved in the processing, storage, or transmission of cardholder data on behalf of another entity?
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In which SAQ does the website not receive account data?
In which SAQ does the website not receive account data?
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What does the merchant need to implement all controls in to qualify for SAQ D?
What does the merchant need to implement all controls in to qualify for SAQ D?
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Which page contains examples of organization numbers and a module number?
Which page contains examples of organization numbers and a module number?
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Which SAQ is the only option for a service provider?
Which SAQ is the only option for a service provider?
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What does the main internet firewall protect against?
What does the main internet firewall protect against?
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Study Notes
Cardholder Data Collection and Processing
- The most common way cardholder data is collected for processing is through various channels (not specified).
Transaction Types
- Chip and pin devices are involved in EMV (Europay, Mastercard, and Visa) transactions.
Compliance Standards
- The mandatory compliance standard for organizations handling debit and credit card data is PCI DSS (Payment Card Industry Data Security Standard).
PCI DSS Compliance Enforcement
- Merchants are enforced to comply with PCI DSS by the payment brands (e.g., Visa, Mastercard, American Express, Discover, JCB, or UnionPay).
- Service providers without a direct relationship with a bank or brand are governed by state laws in the USA, except for a few states.
- Outside the USA, PCI DSS compliance for service providers is governed by the respective regional regulations.
Information Commissioner's Office (ICO) in the UK
- The ICO regards PCI DSS as the technical standard for compliance in protecting payment card data.
Entity Definitions
- A merchant is defined as any business that accepts payment cards from Visa, Mastercard, American Express, Discover, JCB, or UnionPay.
- A service provider is an organization that could impact the security of cardholder data.
Self-Assessment Questionnaires (SAQs)
- All self-assessing service providers should complete SAQ D.
- A service provider should be classified as a type of organization that is directly involved in the processing, storage, or transmission of cardholder data on behalf of another entity.
- SAQ A does not require the website to receive account data.
- To qualify for SAQ D, a merchant needs to implement all controls in a Card-Not-Present (CNP) environment.
PCI DSS Documentation
- The page containing examples of organization numbers and a module number is the Attestation of Compliance (AOC) document.
- SAQ D is the only option for a service provider.
Network Security
- The main internet firewall protects against unauthorized access to the network.
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Description
Test your knowledge about PCI DSS requirements and best practices for processing cardholder data, including the classification of card present and card not present transactions. Explore the importance of not storing CVV numbers and minimizing the footprint of payment methods.
