An acronym for Payment Card Industry (PCI) Data Security Standard (DSS). A set of rules and policies for protecting information related to card based financial instruments.

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39
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2answers
22k views

Minimum requrements for storing last 4 digits of credit card number?

We have a merchant website that uses Autorize.net's CIM and AIM. Our users may have multiple credit cards so we'd want to give them opportunity to distinguish between credit cards that they use on ...
31
votes
4answers
6k views

Convince the company not to store credit card numbers in our webapp

The company I work for needs a system to perform monthly credit card charges to customer accounts. Customers will be able to update their credit card information from an online interface written in ...
31
votes
4answers
13k views

How to store credit card information for repeated transactions and still be PCI compliant?

I'm overhauling our absolute time-bomb of an order processing system that would put us out of business tomorrow were we audited for PCI compliance. It's so amateur it's scary. I'm planning on making ...
22
votes
4answers
3k views

Why doesn't the client's web browser need to be PCI compliant?

A hypothetical online store that accepts credit card payment will have to be PCI compliant because it receives (transmit), process and possibly store credit card numbers. But the client's web browser ...
22
votes
2answers
805 views

Effect on PCI compliance of not checking SSL certificate?

PCI DSS states: "[You must...] verify that only trusted SSL/TLS keys/certificates are accepted." Long story short, our payment service provider just asked us to please stop verifying their ...
22
votes
1answer
2k views

Has anyone achieved PCI compliance on AWS?

All the FAQs, documents and statements published by AWS aside, did any Level 1 merchant or service provider actually achieve PCI compliance on AWS yet? We're evaluating moving some of our services to ...
21
votes
5answers
4k views

PCI Encryption Key Management

(Full disclosure: I'm already an active participant here and at StackOverflow, but for reasons that should hopefully be obvious, I'm choosing to ask this particular question anonymously). I currently ...
20
votes
5answers
2k views

Does PCI compliance really reduce risk and improve security?

Might as well bring this hot topic to here! For those not in the know: https://www.pcisecuritystandards.org/
20
votes
3answers
25k views

PCI Compliance Scan Failing for supporting TLS 1.0, but removing support breaks < IE 10

My company is receiving this message causing us to fail our TrustKeeper PCI compliance scan: Note to scan customer: This vulnerability is not recognized in the National Vulnerability Database. TLS ...
17
votes
5answers
14k views

Can https be used instead of sftp for secure file transfers?

My company works with financials, and we are required to transfer files containing non-public consumer information securely between our company and our clients. The usual solution is to go with sftp ...
14
votes
3answers
5k views

Nessus vs third-party scans

As part of our PCI-DSS compliance process we get scans done by a third party. Based on the form and wording of the output, it's pretty clear they're using Nessus for most of their heavy lifting. Same ...
13
votes
3answers
1k views

Whistleblowing, business ethics and credit card data

I'm writing this post as I'm facing a personal, ethical dillemma and I would like feedback on the best way to approach this situation, particularly from a philosophical point of view. I work for a ...
13
votes
2answers
7k views

Does storing bank account-routing number combinations fall under PCI DSS Level 1 compliance rules?

I've looked at a number of question/answer threads and docs about PCI compliance, including various results on Google and have not found a definitive answer to this question: Does a web app fall ...
12
votes
4answers
3k views

PCI-DSS - one application per server?

How do I interpret the 2.2.1 point for PCI-DSS? Is "application server" 'one primary function' or does it need to be "program x server", "program y server" etc? I have a collection of applications ...
12
votes
4answers
11k views

What logs to retain for PCI-DSS?

I am using Splunk to centrally collect all of my logs for PCI-DSS. I'm running into my licensed volume limit and I need to know exactly what needs to be retained for regulatory compliance. I am ...
12
votes
2answers
918 views

logging requirements for PCI for web applications

Does PCI dictate how much should be logged at an application level or simply what shouldn't be logged? I'm struggling with too much logging right now and some people who think we should have it. From ...
12
votes
2answers
3k views

Is SSL terminated at a load balancer PCI compliant?

I've read this nice question: Should SSL be terminated at a load balancer? And I have the same question, but with PCI-DSS compliance in mind. Is SSL terminated at the load balancer, with clear ...
11
votes
4answers
2k views

Is Facebook Connect or Twitter OAuth PCI Compliant?

We have a system that stores credit cards securely on file. We'd love to allow users to sign up using Facebook Connect or Twitter. Obviously this wouldn't be secure if we were trusting just any old ...
11
votes
4answers
3k views

PCI restrictions on using using (hashed) credit card number to identify a repeat customer?

Question for any PCI experts out there: Airport ticket kiosks can use your credit card to find your reservation at checkin time. So clearly PCI must allow use of credit card numbers to identify ...
11
votes
3answers
8k views

What issues arise from sharing a SSL certificate's private key?

Scenario: I am hosting a website for a my client, who we'll call S. S owns the domain s.com and I own the servers that actually host the website. S now wants to enable SSL on their website. I have ...
11
votes
5answers
2k views

Data needed for why not to load third party JavaScript on web page with credit card form

My company makes a JavaScript widget that e-commerce sites can embed on their pages. Our current instructions to our customers tell them to load our JS on every page of their site and most follow this ...
11
votes
4answers
876 views

Wireless Activity Monitoring for PCI DSS Compliance

In an effort to be PCI DSS compliant, I took a trustkeeper.net questionnaire. I failed the question that asks: Is the presence of wireless access points tested for by using a wireless analyzer at ...
10
votes
3answers
7k views

Storing Credit Card Numbers

I'll be making a website with a membership type of option for the website, and I'll be most likely using Authorize.Net to make the transactions, however, I need to know what kind of encryption I can ...
10
votes
4answers
1k views

New credit card security standards regarding PA-DSS Compliance

The new credit card standards including PA-DSS can be quite confusing for software companies. My question is this: If your software company designs a POS software system (like we do) which utilizes ...
9
votes
7answers
8k views

Storing credit cards for automatic payments?

I have no experience with storing credit cards and I do not know anything about the legal end of this. The company I work for / develop for wants to store credit cards to process auto payments for ...
9
votes
4answers
2k views

Where do I securely store the key for a system where the source is visible?

I have a customer with an Access database (ugh!) in which credit cards are stored in plaintext (yikes!), so amongst other changes I'm doing in the app, I'm applying some encryption in there. I've ...
9
votes
3answers
1k views

Storing Credit Cards

Okay, so storing digitized credit card information/records is a well documented process when it comes to best practices. I recently got asked how a company can store, retrieve and process physical ...
9
votes
3answers
5k views

How to pass PCI DSS 2.0 anti-virus requirement (5.1) on Linux?

PCI DSS 2.0 Requirement 5.1 states: 5.1 Deploy anti-virus software on all systems commonly affected by malicious software (particularly personal computers and servers). This requirement ...
9
votes
3answers
867 views

PCI Audit: Using “test” cards

I know that the PCI standard does not allow you to use real credit card numbers on test systems. Visa, Mastercard and Amex supply a list of "test" cards to use. Makes perfect sense, and we have been ...
9
votes
2answers
3k views

Is there a way for a consumer to report PCI non compliance?

Is there a way for a consumer to report PCI non compliance?
8
votes
7answers
2k views

Is this set-up PCI-Compliant?

Question: Is there a way to store credit card information on a shared hosting server AND be PCI compliant? Here is the setup: 1) SSL is being implemented for the whole checkout process and for the ...
8
votes
3answers
316 views

Securing an E-commerce site

I'm building a custom e-commerce site, and the user will input their credit card details on the site instead of being directed to the payment gateway's site. I'm confused as to what the critical ...
8
votes
3answers
8k views

PCI DSS requirement 6.4.2 separation of duties between development/test environments

6.4.2 Is there separation of duties between personnel assigned to the development/test environments and those assigned to the production environment? What does the separation of duties here mean? ...
8
votes
2answers
805 views

Unsolicited credit card in email?

I work for an insurance company who will randomly (3-5 times per year) have a consumer who emails their credit card to our customer service department. We don't ask for the number, they just send it ...
8
votes
2answers
649 views

Key management scheme in PHP that is compliant with NIST SP 800-57

We're working on achieving SAQ-D PCI compliance and along the way we're discovering new things each day. Today: Key Management I wonder if there're any open-source or commercial PHP solutions ...
8
votes
1answer
1k views

What is the difference between HSM and Key server?

As per PCI-DSS requirements, we have to use either HSM (Hardware Security Module), or Key Server to store the KEK (Key Encryption Key). If I'm storing encrypted DEK (Data Encryption Key) in an App ...
8
votes
2answers
3k views

PCI Compliant Key Management solutions that don't cost a fortune

We are relatively small software company who has a requirement to store PAN's for our customers. Hosted payment solutions just don't fit our product requirements. We literally have 3 lines of ...
7
votes
3answers
3k views

If PCI DSS isn't a law, how can I be prosecuted for not being compliant?

PCI DSS isn't a law. Why can I be prosecuted for not being compliant?
7
votes
1answer
10k views

Which is the Best Cipher Mode and Padding Mode for AES Encryption? [closed]

As per PCI-DSS 3.4 requirement: For storing Credit Card Data Strong Cryptography should be used. I decided to use AES Encryption which is a strong and mostly recommended crypto for encrypting ...
7
votes
3answers
720 views

A bit confused about PCI compliance

I have a client that wants me to build her a simple e-commerce site for her small quilt store. I'm going to use Stripe for the credit card handling. The only info I'm going to keep on my system is ...
7
votes
2answers
1k views

Does having a passphrase and SSH key qualify as two factor authentication for PCI?

I am working on getting our company's servers PCI SAQ-C compliant (credit card data passes through our system but is not stored by our system). We have SSH access to administer the servers and all ...
7
votes
3answers
2k views

Is storing card details without the permission of the card holder against PCI DSS?

I've bought something from an online store, and when entering the card details, it sent the details to their server through a HTTPS connection, which I then assume they forwarded to their provider - ...
7
votes
2answers
123 views

Is PCI-DSS Compliance Required with PayPal Donate/Payment Buttons on Websites?

Reading about PCI-DSS 3 recently: Would like confirmation what I am interpreting here - you need PCI-DSS SAQ-A to have credit card associated payment or donation URL links on a merchant's website? ...
7
votes
3answers
3k views

How can I report PCI-DSS violations?

A large supermarket chain in the UK, are storing their passwords in plaintext. Apparently, Mastercard's security department are already involved. I'd like to report them for violating PCI-DSS, since ...
6
votes
3answers
4k views

Should I disable TLS 1.0 on my servers?

The PCI Data Security Standard 3.1 recommends disabling "early TLS" along with SSL: SSL and early TLS are not considered strong cryptography and cannot be used as a security control after June 30, ...
6
votes
2answers
3k views

Storing account numbers and sort codes online

There are a lot of questions on storing credit card information, and of how PCI SSC/PA-DSS regulations apply to such activities and systems. I have read a lot of these, but my question relates to a ...
6
votes
2answers
6k views

Is storing CVV compliant with PCI standards?

From personal, job-related experience I know that many "Booking Engines" store the CVV info for customers' credit cards from the time a reservation is made until the time the guest leaves the hotel. ...
6
votes
2answers
682 views

PCI DSS and Memcached

If I store cardholder details (PAN, Expiry etc.) in a Memcached data bucket, is that something to worry about in terms of PCI DSS compliance? Our database is in a data center and is encrypted. Our ...
6
votes
1answer
792 views

PCI Compliance and PayPal

First, please forgive my ignorance. Until this week, the only "credit card security" I understood was how to hack systems and why to write PHP pages with the types of features I do (msqli, pdo, ...
6
votes
2answers
866 views

What does the PCI-DSS statement “Store separately from the data encrypting key” mean?

As per the PCI-DSS 3.5.2 requirement Encrypted with a key-encrypting key that is at least as strong as the data-encrypting key, and that is stored separately from the data encrypting key. Does this ...