PCI compliant with neapay switch
Posted on 11th Nov 2021 6756 views
PCI compliant with neapay switch
What are the requirements for becoming PCI compliant?
In order to become PCI DSS compliant, there are 12 requirements a business must adhere to. Each requirement falls into a ‘goal’ or category that, according to the PCI SSC, “help merchants and other organizations incrementally protect against the highest risk factors and escalating threats while on the road to PCI DSS compliance.”
The PCI validation requirements and goals are:
-
Build and maintain a secure network
Install and maintain a firewall configuration to protect data
Do not use vendor-supplied defaults for system passwords and other security parameters
-
Protect cardholder data
Protect stored cardholder data
Encrypt transmission of cardholder data across open, public networks
-
Create a vulnerability management program
Use and regularly update anti-virus software or programs
Develop and maintain secure systems and applications
-
Implement strong access control measures
Restrict access to cardholder data by business need-to-know
Assign a unique ID to each person with computer access
Restrict physical access to cardholder data
-
Monitor and test networks regularly
Track and monitor all access to network resources and cardholder data
Regularly test security systems and processes
-
Develop an information security policy
Maintain a policy that addresses information security for employees and contractors
These categories are intended “to provide the following benefits” for businesses:
-
Roadmap to assess, address, and report on prioritised risks
-
Objective and measurable indicators of progress
-
Consistency among assessors
How do I get PCI DSS Certified?
Here are the below steps you should take once you are ready to become PCI DSS certified:
-
Identify your compliance ‘level’
-
Complete a self-assessment questionnaire (SAQ) or Complete an annual Report on Compliance (ROC)
-
Complete a formal attestation of compliance (AOC)
-
Complete a quarterly network scan by an Approved Scanning Vendor (ASV)
-
Submit the document
Please note: When dealing with PCI DSS requirements, you can either go through the process yourself or get help from a PCI SSC Qualified Security Assessor (QSA)
Identify where your business sits within the compliance levels. There are varying levels depending on the size of a business, based on how they handle transactions and data, what credit cards they work with and how many transactions they process.
Level 1
A business that processes over six million transactions annually.
Level 2
A business that processes one to six million transactions annually.
Level 3
A business which processes 20,000 to one million transactions online over 12 months.
Level 4
A business that processes less than 20,000 transactions online annually and processes up to one million transactions annually.
For Level 2-4 merchants:
The self-assessment questionnaire (SAQ) is a guidebook you can use to assess your current compliance level. It takes you through the requirements (as listed above) to help you identify your company’s payment security and if you should make changes to your business.
For Level 1 merchants:
As part of the audit the assessor will:
-
Validate the scope of the assessment;
-
Review documentation and technical information;
-
Determine whether the PCI DSS’s requirements are being met;
-
Evaluate compensating controls.
The RoC (Report on Compliance) will then be submitted to the organisation’s acquiring banks to demonstrate compliance.
Once you’ve made any changes necessary and have updated your SAQ, you can fill out a formal attestation of compliance (AOC) in which a qualified security assessor reviews your work and officially validates if your business is fully compliant with all relevant PCI standards.
An Approved Scanning Vendor (ASV) is an organisation that is qualified by the PCI SSC, to complete external vulnerability scanning services using specialist security tools find any weaknesses or holes in your systems that hackers may attempt to exploit. These must be completed every 90 days. For further information click here.
Finally, you must submit your documents such as your SAQ, AOC and ASV scan report to your acquirer bank and to the relevant credit card/payment brands as requested.
PCI compliance is a vital part of your business and should not be overlooked. By being PCI DSS compliant, you will protect not only your brand but your customers.
As a reminder, to become PCI compliant you should:
-
Identify your compliance ‘level’
-
Complete a self-assessment questionnaire (SAQ) or Complete an annual Report on Compliance (ROC)
-
Complete a formal attestation of compliance (AOC)
-
Complete a quarterly network scan by an Approved Scanning Vendor (ASV)
-
Submit the documents
Although this checklist might look daunting at first it is actually fairly straightforward. However, it might be best to seek assistance from your payment service provider should you need it.
Remember, if you fail to become PCI compliant you could incur steep fines, a loss of credibility and customers and lose the ability to accept future credit card payments. For further information about failing to comply, see our Failure to Comply with PCI article.
LinkedIn
Top Read Articles
BIN List & Range for MasterCard, Visa, Amex, Diners, Discover, JCB, CUP
199752 views
ISO8583 Response Codes for Transaction processing
83554 views
Read smart card chip data with APDU commands ISO 7816
68748 views
ISO8583 Processing Codes for Transaction Processing
37056 views
ISO8583 Message Types for Transaction Processing
35901 views
MCC Codes - Merchant Category Codes to use in ISO8583 Field 18
25220 views
Deploy, run and generate with neaPay Card Data Generator
23565 views
Run the neaPay ISO8583 simulator
22556 views
ISO8583 message: The list of ISO 4217 currency codes for data elements 49 and 52
20277 views
ISO8583 payments message format, programmers guide
20005 views
ISO8583 ATM POS Crypto API integration with exchanges like Coinbase or Binance
17925 views
Cards and Banks Training
15877 views
ISO8583 Message Converter JSON and XML interface specification mapping
15691 views
Java version for neapay products Simulator Converter Switch Authorization Cards Issuer
14720 views
Log Files in BASE24 classic
11314 views
Support for the neaPay products: Authorization, Switch, Converter, Simulator, Issuer
11282 views
BASE24 classic vs BASE24-eps
10319 views
BASE24 documentation to read
9988 views
Create a new test case in the neaPay ISO8583 simulator Video guide
9820 views
EMV explained for programmers
9472 views
BASE24 classic interview questions
9447 views
Deploy the neaPay ISO8583 simulator - video guide
9167 views
ISO8583 converter to JSON XML SQL to HTTP host - message flow - video guide - Part.2
8910 views
ISO8583 Simulator neapay- Performance testing at 500, 1000 and 1500 Transactions per second
8859 views
ISO8583 converter to JSON XML SQL to HTTP Host - host unavailable - video guide- Part.3
8408 views
Load Test enabling and performance testing at 1TPS and 100TPS
8152 views
ISO8583 converter to JSON XML SQL to HTTP host - start& run - video guide - Part.1
8142 views
BASE24 classic screens examples explained
8138 views
Run the neaPay ISO8583 converter to JSON, XML, SQL, in a test environment
8031 views
Changing fields definitions in the ISO8583 simulator and message converter
7998 views
Adding your own card to the Payments simulator to test your system
7965 views
Run One, Run Scenario, Run All, Run Load in the neaPay ISO8583 Simulator - Use guide
7903 views
Connect the neaPay ISO8583 Acquirer simulator to your own host or Issuer
7859 views
Card readers supported by neaPay payments simulator, CHIP and NFC
7852 views
BASE24-eps interview questions
7833 views
Deploy the neaPay HSM simulator in a test environment
7778 views
Sample Recommended design for an Acquirer test cases suite, Scenarios and Regression
7723 views
How the fingerprint reader works in the ISO8583 payments simulator
7720 views
Enabling traces in the payments simulator
7715 views
Altering test cases in Excel for the ISO8583 simulator
7704 views
Deploy the neaPay ISO8583 Payments converter in a test environment
7674 views
Trace configuration in neaPay Simulator, Converter, Switch, Authorization and Cards Issuer
7474 views
Regression Testing in 1 click with instant Analytics and CSV report
7370 views
BASE24 classic cards configuration tutorial with Examples
7274 views
Deploy the Payments Switch Router in a test environment
7261 views
BASE24 classic ATM configuration Tutorial in ATD and XPNET with examples
7142 views
Add extra custom fields to the ISO8583 simulator
7120 views
ISO8583 Message Converter to XML SQL CSV interface specification mapping
7003 views
PCI compliant with neapay switch
6757 views
BASE24-EPS ACI DESKTOP tutorial - Getting started
6615 views
POS simulator format SPDH HPDH Verifone and custom
4835 views
BASE24 classic prefix configuration tutorial CPF with examples
4759 views
BASE24 classic tracing of transactions. Audits, configuration, enabling and opening
4595 views
BASE24 classic Institution configuration Tutorial with example
4250 views
ACI BASE24 classic automatic extract configuration
4114 views
BASE24 classic balance file configuration PBF with example
4038 views
First steps with BASE24 Classic
3888 views
Getting started with using Prognosis for BASE24 and BASE24-eps
3770 views
Swift Message Structure ISO 15022 and ISO 20022
2542 views
SWIFT Message types complete list reference
2017 views
SWIFT Common Message Type List with examples
1823 views
ISO8583 Card Transaction BIN Prefix Router with neapay Switch
1810 views
ISO8583 Load Balancer with neapay Switch Router
1809 views
ISO8583 simulator scheduling tasks and test regressions
1806 views
ISO8583 simulator Visa MasterCard Amex CUP configuration demo video
1250 views
POS Transaction types explained
1167 views