Credit Cards 360

RSPA Project PCI Are you at risk? PCI Compliance Retail Solutions Providers Association 4115 Taggart Creek Road Charlotte, NC 28208 www.gorspa.org The Payment Card Industry Data Security Standard is a worldwide information security standard assembled by the Payment Card Industry Security Standards Council (PCI SSC). The standard was created to help organizations that process card payments prevent credit card fraud through increased controls around data and its exposure to compromise. The standard applies to all organizations which hold, process, or pass cardholder information from any card branded with the logo of one of the card brands. Validation of compliance can be performed either internally or externally, depending on the volume of card transactions the organization is handling, but regardless of the size of the organization, compliance must be assessed annually. Organizations handling large volumes of transactions must have their compliance assessed by an independent assessor known as a Qualified Security Assessor (QSA), while companies handling smaller volumes have the option of self-certification via a Self-Assessment Questionnaire (SAQ). In some regions these saqs still require signoff by a QSA for submission. Enforcement of compliance is done by the bodies holding relationships with the in-scope organizations. Thus, for organizations processing Visa or Mastercard transactions, compliance is enforced by the organization’s acquirer, while organizations handling …

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