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Standard Compliance

PCI DSS Compliance

  • Overview
  • Methodology
  • Requirement
  • Our Approach
  • Clients
  • FAQs

Overview : PCI DSS Compliance

The Payment Card Industry Data Security Standard (PCI DSS) is a set of standards meant to ensure that all firms that process, store, or transfer credit card data do so safely. It was founded on September 7, 2006, with the mission of maintaining PCI security standards and improving account security throughout the transaction process.

PCI DSS covers various aspects like – 1. Data storage and program execution are kept separate. 2. Data handling by your computer system. 3. Preventing data theft by employees. 4. Disposal of hard discs. 5. Tracking of Human access to hardware. 6.Preventing internet-based intrusions.


PCI DSS is a global security standard that applies to all organizations that store, process, or transmit cardholder data and/or sensitive authentication data. PCI DSS establishes a baseline level of security for consumers and aids in the reduction of fraud and data breaches throughout the payment ecosystem. It applies to any company that accepts or processes credit cards. Three major things are involved -

handling card data
storing data securely
validating annually

Requirement For PCI DSS Compliance

password protection

1. Firewalls usage and Maintenance - Firewalls effectively prevent foreign or unknown entities from accessing private data. These prevention systems are frequently the first line of defense against hackers. Firewalls are required for PCI DSS compliance due to their effectiveness in preventing unauthorized access.

2. Password Protection -Keeping a list of all devices and software that require a password is one way to ensure compliance. Routers, modems, POS systems, and other third-party products frequently include generic passwords and security measures that are easily accessible to the general public. Businesses frequently fail to secure these vulnerabilities.

3. Restrict Data Access -Cardholder information must be strictly "need-to-know". All employees, executives, and third parties who do not require access to this information should be denied access. Roles that require sensitive data should be well-documented and updated on a regular basis, as required by PCI DSS.

password protection

4. Restrict Physical Access - Any cardholder data must be kept physically secure. Physically written or typed data, as well as digital data should be kept in a secure room, drawer, or cabinet. Access should not only be restricted, but any time sensitive data is accessed, it should be recorded in a log to ensure compliance.

5. Encrypt Data Transmitted - Cardholder data is transmitted via multiple standard channels. This data must be encrypted whenever it is sent to these known locations. Account numbers should also never be sent to unknown locations without being masked.

6. Document Policies - For compliance, the inventory of equipment, software, and employees with access must be documented. Access logs to cardholder data will also necessitate documentation. How information enters your company, where it is stored, and how it is used after the point of sale must all be documented.

Our Approach

During this phase, Kratikal will ensure that all processes involving card numbers are covered during the gap and scope assessment. We will carry out the following tasks:
1. Identify processes that access/store/process cardholder information (beginning with the 16-digit PAN).
2. Schedule meetings with concerned process owners.
3. Obtain policies and procedures in the organization and verify compliance with all 12 PCI DSS requirements.
4. Begin discussions with the IT department to understand the network and application architecture.
5. Conduct process audits to ensure the adequacy of IT and security processes.
6. Prepare and present the gap report to the stakeholders.
7. Prepare a remediation road map and prioritize activities based on risk exposure and PCI DSS implementation priority to approach.

After the Gap Assessment phase is completed, a separate team of technical and process experts will provide remediation support. We will also assist in the development of necessary information and cyber security policies and procedures. We will begin risk assessment activities after basic training. Recommendations on how to close the gaps identified in the previous phase will be documented, and key teams will be assigned responsibility. In this section, two support are involved -
a. PCI Scope reduction / Segmentation Support -
1. Provide recommendations on PCI Scope reduction
2. Scoping Assistance - Assist the team in finalizing the implementation controls for the PCI DSS scope reduction.
b. Non-Technical Implementation Support -
1. Review and develop necessary PCI DSS policy, process and procedures.
2. Conduct policy / process awareness sessions for IT/Security teams and business users who are part of the PCI DSS scope.
3. Provide assistance in building stable and secure processes across customers in PCI DSS compliance.
4. Assist in risk assessment and risk mitigation planning.

During this phase, we assist our customers with the following PCI DSS-related steps:
1. Helping in maintaining PCI DSS Compliance
2. Helping in Maintaining activities like information security policy, procedure reviews.
3. Training and Awareness.

A Qualified Security Assessor (QSA) examines the customer's information security controls in detail against each section of the PCI DSS Report on Compliance during an official PCI DSS audit and certification (RoC). The exact details of 'What he did' as part of the audit and 'What he saw' in relation to each clause of the PCI DSS will be included in the RoC. The RoC will be built in accordance with the PCI SSC's RoC reporting instructions. Following the audit, the customer will receive complete audit documentation, including the official RoC.


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Threats Recorded in
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Who needs to comply with PCI DSS Compliances?

The PCI DSS applies to any organization that collects, transmits, stores, or transfers cardholder data, regardless of size, value, or number of transactions (CHD). Anyone who uses a major brand card, such as Visa, Mastercard, American Express, or Discover, is required to adhere to the PCI DSS framework.

When a business engages in any payment card-related activity, it agrees to follow PCI requirements. Failure to comply with PCI DSS could cost you, especially if there is a payment card data breach. Noncompliance penalties range from large fines to having your ability to process payment cards completely revoked – both of which can be especially damaging for a startup.

The Payment Card Industry Data Security Standard (PCI DSS) is a collection of guidelines created to guarantee that all businesses that process, store, or transmit credit card information do so in a secure environment that protects cardholder data. PCI Compliance may be attained by following these specifications.

Testing for network application layers, controls, and procedures enclosing networks and applications should all be included in penetration tests, which should be conducted from both within and outside of networks.