PCI-DSS - Payment Card Industry Data Security Standard

PCI Security Standards Council (PCI SSC) put forth a global set of data security standards for payment card industry under a single framework of Payment Card Industry Data Security Standard (PCI DSS). a global forum for the ongoing development, enhancement, storage, dissemination and implementation of security standards for account data protection developed "Payment Card Industry Data Security Standard" (PCI DSS) to secure the card payment-processing happening across the global financial system.

PCI DSS is applicable to any organization that store, process or transmit cardholder data (CHD) and sensitive authentication data (SAD) of member branded card data. This standard is applicable to all size of organizations as well as merchants, processors, acquirers, issuers or service providers.

PCI DSS includes requirements for security management, policies, procedures, network architecture, software design, and other critical protective measures. It ensures that any entity that deals in sensitive cardholder data meets a minimum-security standard essential for security.

Niall Services provide PCI DSS / PCI DSS Assessment / PCI DSS Certification services through its team of skilled auditors offering a unique combination of local and international expertise.

There are several Reasons to choose Niall Services as
• Value added two step certification process
• Timely delivery of certificate as committed
• 24 X 7 support as executive team is always available
• online processing from Application to certification decision.
• Affordable and Competitive Prices of Certification

Roadmap for PCI DSS Compliance
1. Identify the requirements of PCI DSS to your organisation.
2. Make Decision for PCI DSS Implementation/Certification.
3. Get skilled team or hire services of consultant.
4. Identify GAP Analysis.
5. Make Implementation Plan.
6. PDCA [Plan-Do-Check-Act] cycle.
7. Design, implement, aware about the PCI DSS Policy, PCI DSS Objectives, PCI DSS Manual & SOP (Standards Operating Procedure).
8. Establish & evaluate the system and procedure.
9. Identify the boundaries of the management system and produce documented procedures as required.
10. Ensure these procedures are suitable and adhered to.
11. Once developed, internal audits are needed to ensure the system carries on working.

PCI-DSS Certification Assessment
Addressing the requirements established by Payment Card Industry, Data Security Standard can require a massive effort. Niall Services aims to provide additional pioneering, hassle-free and cost-effective services for the PCI Compliance. PCI DSS compliance certification process follows the following approach:

Scope Definition:
• While defining the scope for the audit, need to consider that all processes are covered as per the business (Capture, Authorization, Settlement and Chargeback) as per the requirement applicability.

Gap Assessment
• Qualified Security Assessors (QSAs) determine the gaps in the business controls as per the 12 areas of PCI DSS. The assessment helps to improvise cost forecasting and budget justification for a PCI compliance programme.
• The process helps organisations identifying areas requiring immediate attention, and avoid data breaches.

Security Check:
• Identifying the security weaknesses within business-critical environments by conducting Vulnerability scans and Penetration Testing,
• Prioritizing the weakness based on the impact they might have on client’s business
• Schedule necessary actions for closure before the threat is materialized.

Data Discovery Scans:
Niall Services is used to scan and extract insights and patterns of sensitive data stored in business-critical systems such as credit card information. This secures organization from any possible data breach complications.

Remediation Support
As per the outcome of the scans and testing and gap analysis, Niall Services will assist clients in providing remediation support and plans, an offsite audit would be conducted as required.

Assessment and Certification
Post implementing all the necessary controls and remediation support, QSA will conduct an onsite audit to the validate the controls implemented as per the standard requirement. Post audit, we share the following with our client:

• Report of Compliance (ROC)
• Attestation of Compliance (AOC)
• Certification of Compliance (COC)

PCI DSS Annual Maintenance
Our Clients can reap the benefit of PCI DSS Annual Maintenance Service that ensure fully compliance of the PCI DSS on Recertification Assessment.

PCI-DSS Certification Benefit to the Organization

1. Security Improvement:
Reduce the risk of security breaches by ensuring application security and loophole closure with respect to Cardholder Date and Cardholder Data Environment.
2. Sustain Your Business:
Increase in business prospects as being the PCI compliance stature promotes one as a secure business ensuring growth in reputation.
3. Avoid costly fines:
Avoiding any fines/penalties imposed by banks and enhance customer satisfaction and retention as complying with requirements helps business to build reputation among the clients.
4. Improve customer relationship
An organization that complies with PCI DSS should be able to decrease the data breach significantly. Being compliant to PCI DSS ensures to showcase that the company has a strong commitment to protect their data, improving customer relationship.

PCI-DSS Auditing and Certification Cost

PCI-DSS Certification charges may depend upon the size, location, Complexity of operation, Processes and it’s inter relevance.
Apply for PCI-DSS Certification
Organizations interested in PCI-DSS certification and searching for ISO certification bodies can contact us.
For a Quotation please get in touch with us either by sending your inquiry through mail to info@isoniall.com or call us at +91 - 99789 71691, WhatsApp: +91 - 99786 71691.