PCI DSS 4.0 Services

Matayo’s PCI DSS 4.0 Services help your organization achieve compliance with the latest payment card security standards. Our services ensure robust protection of cardholder data and effective defense against fraud and breaches.
PCI DSS 4.0

Comprehensive PCI DSS 4.0 Compliance Services

Our comprehensive approach not only meets regulatory requirements but also enhances your overall security posture, fostering trust and confidence among your customers and stakeholders. We offer continuous monitoring and support to ensure ongoing compliance, identify emerging threats, and adapt to evolving security challenges.

What is PCI-DSS 4.0?

PCI DSS stands for Payment Card Industry Data Security Standard. It is a set of security standards designed to ensure that all companies that accept, process, store, or transmit credit card information maintain a secure environment. The PCI DSS is a collaborative effort developed by major credit card companies, including Visa, MasterCard, American Express, Discover, and JCB, to protect sensitive cardholder data.

Who can implement PCI-DSS?

Retailers

Brick-and-mortar stores and online retailers that accept credit or debit card payments.

E-commerce Businesses

Online businesses that process, store, or transmit cardholder data during online transactions.

Payment Processors

Organizations involved in processing payment transactions on behalf of merchants.

Financial Institutions

Banks, credit unions, and other financial institutions that handle payment card information.

Service Providers

Third-party service providers that handle payment card data on behalf of other organizations, such as hosting providers, cloud service providers, and managed security service providers.

Healthcare Organizations

Healthcare providers that accept payment cards for services rendered and process related transactions.

Hospitality Industry

Hotels, restaurants, and other businesses in the hospitality sector that accept card payments.

Educational Institutions

Schools, colleges, and universities that accept payment cards for tuition, fees, or other transactions.

Government Agencies

Government entities that accept payment cards for services, permits, or other transactions.

Non-profit Organizations

Non-profit organizations that process payment card donations or payments for goods and services.

Six Goals of PCI-DSS

  • Install and maintain a firewall configuration to protect cardholder data.
  • Do not use vendor-supplied defaults for system passwords and other security parameters.
  • Protect stored cardholder data.
  • Encrypt transmission of cardholder data across open, public networks.
  • Use and regularly update antivirus software or programs.
  • Develop and maintain secure systems and applications.
  • 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
  • Track and monitor all access points to network resources and cardholder data.
  • Regularly test security systems and processes
  • Maintain a policy that addresses information security for all personnel.

PCI DSS Compliance Certification

The Payment Card Industry Data Security Standard (PCI DSS) Compliance Certification is a security protocol designed to protect cardholder data. Established by the Payment Card Industry Security Standards Council (PCI SSC) – which includes major credit card companies such as Visa, MasterCard, American Express, Discover, and JCB – PCI DSS ensures that organizations handling credit card data follow strict security practices to prevent data breaches and fraud.

PCI DSS compliance is crucial for any business that processes, stores, or transmits credit card information. Achieving compliance indicates that the organization is committed to protecting customer data, which builds trust, reduces the risk of data breaches, and helps avoid fines from credit card companies or banks. In addition, PCI DSS compliance is often a legal or contractual requirement for businesses in many industries.

To achieve PCI DSS compliance, organizations must meet 12 core requirements, categorized into six objectives:

  1. Build and Maintain a Secure Network: This includes installing firewalls and avoiding default security settings on devices.
  2. Protect Cardholder Data: Data must be encrypted when stored or transmitted, ensuring it remains secure even if intercepted.
  3. Maintain a Vulnerability Management Program: This requires anti-virus software and secure application development practices.
  4. Implement Strong Access Control Measures: Only authorized personnel should have access to cardholder data.
  5. Monitor and Test Networks Regularly: Continuous monitoring and testing are required to detect and prevent unauthorized access.
  6. Maintain an Information Security Policy: The organization should have a comprehensive security policy covering all employees.

Achieving PCI DSS certification involves five key steps:

  1. Scoping: Determine which systems and processes fall within the cardholder data environment (CDE) that needs to be protected.
  2. Assessment: A Qualified Security Assessor (QSA) or the organization itself evaluates the systems against PCI DSS standards.
  3. Remediation: Identify and fix any security vulnerabilities or gaps found during the assessment.
  4. Reporting: Submit required documentation, which may include a Self-Assessment Questionnaire (SAQ), Report on Compliance (ROC), and Attestation of Compliance (AOC).
  5. Certification: After meeting all requirements, the organization is granted PCI DSS certification. Regular assessments are needed to maintain compliance.

Compliance levels are based on transaction volume:

Level 1: Over 6 million transactions annually, requiring an annual audit by a QSA.

Level 2: Between 1 million to 6 million transactions, needing an SAQ annually.

Level 3: 20,000 to 1 million e-commerce transactions, requiring an annual SAQ.

Level 4: Fewer than 20,000 e-commerce or less than 1 million other transactions, requiring an SAQ.

PCI DSS Compliance Certification is essential for businesses handling credit card information. By meeting PCI DSS standards, companies can secure customer data, reduce fraud, and enhance their reputation. Ongoing monitoring and re-certification are necessary to ensure that data security remains a priority, fostering a safer environment for both organizations and their customers.