PCI is an abbreviation for Payment Card Industry
Data Security Standard. This is an important
standard to be followed by merchants or websites
that process visa or debit card payments. The PCI
standard covers 6 different goals and it utilizes 12
requirements that are very specific to achieve this.
The standard outlines the various ways that
merchants and card processing companies can use to
protect the customers’ card data. It also provides
the ways in which these security measures can be
implemented. The PCI Data Security standard is more
about data security rather than compliance. The main
goal of this standard is about building and
maintaining secure computer networks, protecting the
cardholder’s data, and the regular testing and
monitoring of networks.
There are three standards that are incorporated into
the PCI standard. The 3 standards are designed to
ensure the security of the card holder’s data. The
first standard is one that deals with how to set up
and maintain physical and even logical security. The
PADSS is the second standard. It stands for Payment
Application Data Security Standard. This provides
the security measures for payment applications that
merchants buy off the shelves. An example of these
applications may include a multi-touch screen
terminal that can be connected to the merchant’s
database. This standard has been put in place to
ensure that payment applications do not store
prohibitive data (like the data on a card’s magnetic
strip). The third standard is the PTS. PTS stands
for PIN Transaction System. This is the main
standard that takes effect when a cardholder enters
their card’s PIN. The standard looks at the PIN
entered from the PIN pads for verification purposes.
The six main goals of the PCI standard are:
Maintaining a secure computer
Protecting cardholder’s data.
Maintaining a program for
Implementing Access control
measures that do not have vulnerabilities.
Regular maintenance and
testing of networks.
Maintaining a policy for
It is important that any web
store is PCI complaint. This will limit many legal
problems that may arise if the web stores data is
breached. In addition, the PCI standard ensures that
web stores have the right security measures in place
to ensure the data security for cardholders that
shop on their sites.
For any web business to be
validated as a PCI Complaint business, the business
must ensure they meet all the standards outlined
above. All credit card companies and institutions
that provide financial services only work with
vendors and merchants that meet all the requirements
outlined by the PCI standard. Before being validated
as a PCI Compliant business, a web store has first
to be rated. This rating determines the steps of
verification that the ecommerce business has to go
through to receive the accreditation.
PCI Compliance is important for
any ecommerce business. This is because the
business’s customers will be carrying out their
online shopping activities without being worried
about the security of their data. Also the business
will not suffer security breaches due to the
preventive and security measures outlined in the PCI
standards. Since this is something most ecommerce
owners do not have knowledge of, it is therefore
very crucial for a person who wants to start
ecommerce business to choose a developer that will
ensure they get an ecommerce web store that is PCI
Compliant. At NextGen eBiz we strive to make sure
that all the ecommerce sites we build are PCI
compliant and use technologies that are compliant.
If you want the best PCI
Compliant ecommerce business site then please
Get in touch with us at
NextGen eBiz and we will give you the best solution
for all your needs.