What is PCI-DSS Compliance?
PCI-DSS (Payment Card Industry Data Security Standard) is a global security standard designed to protect cardholder data from theft and fraud. Any business that stores, processes, or transmits credit or debit card information must comply with PCI-DSS to ensure secure payment processing.
Why is PCI-DSS Compliance Important?
Non-compliance can lead to data breaches, legal penalties, and reputational damage. Benefits of compliance include:
- Enhanced Security: Protects sensitive cardholder data.
- Legal Compliance: Avoids fines and legal consequences.
- Increased Customer Trust: Secure transactions build confidence.
- Reduced Fraud Risks: Minimizes cyberattack vulnerabilities.
PCI-DSS Compliance Requirements
PCI-DSS compliance is based on six core objectives with 12 key requirements:
1. Build and Maintain a Secure Network
- Install and maintain a secure firewall.
- Use strong passwords and authentication methods.
2. Protect Cardholder Data
- Encrypt stored cardholder data.
- Secure transmission of cardholder data across public networks.
3. Maintain a Vulnerability Management Program
- Use and regularly update antivirus software.
- Implement secure applications and systems.
4. Implement Strong Access Control Measures
- Restrict access to cardholder data based on necessity.
- Assign unique IDs to authorized users.
- Restrict physical access to stored cardholder data.
5. Monitor and Test Networks Regularly
- Track and monitor all network activity.
- Frequently test security systems and processes.
6. Maintain an Information Security Policy
- Establish and maintain a security policy for employees and vendors.
Latest PCI-DSS v4.0 Updates
The newest PCI-DSS updates include:
- Stronger authentication requirements, including Multi-Factor Authentication (MFA).
- Regular risk assessments to maintain ongoing compliance.
- Enhanced continuous monitoring and reporting mechanisms.
How to Get PCI-DSS Certified? (Step-by-Step Guide)
Follow these five key steps to achieve PCI-DSS certification:
Step 1: Determine Your Compliance Level
PCI-DSS has four levels based on annual transaction volume:
| Compliance Level | Annual Transactions | Validation Requirement |
| Level 1 | Over 6 million transactions | Full on-site audit by a QSA |
| Level 2 | 1 million – 6 million transactions | Self-Assessment Questionnaire (SAQ) + Scan |
| Level 3 | 20,000 – 1 million transactions | SAQ + Quarterly scans |
| Level 4 | Less than 20,000 transactions | SAQ only |
Step 2: Complete a Self-Assessment Questionnaire (SAQ)
Choose and complete the SAQ form that applies to your business based on your payment processing method.
Step 3: Conduct a Vulnerability Scan
A PCI-Approved Scanning Vendor (ASV) must conduct quarterly scans to check for security vulnerabilities.
Step 4: Implement Required Security Controls
Fix any security gaps, update systems, and ensure all PCI-DSS requirements are met.
Step 5: Submit Compliance Report
Submit the Attestation of Compliance (AOC) to your acquiring bank or payment networks for validation.
Need expert assistance? Cloud Patrons simplifies PCI-DSS certification with end-to-end compliance solutions.
PCI-DSS Certification Cost in India
The cost of PCI-DSS certification varies based on business size, compliance level, and security measures required.
| Business Type | Estimated Cost (INR) |
| Small Business (SAQ Level) | ₹50,000 – ₹1,50,000 |
| Medium Business | ₹1,50,000 – ₹5,00,000 |
| Enterprise (Level 1) | ₹5,00,000+ |
Additional costs may include quarterly scans, penetration testing, and security audits.
Get PCI-DSS Compliant with Cloud Patrons
Achieving PCI-DSS compliance can be complex and time-consuming, but Cloud Patrons makes it simple and hassle-free.
- End-to-end PCI-DSS solutions, from risk assessment to final certification.
- Customized compliance strategies tailored to your business needs.
- Certified security experts ensure a seamless audit process.
Secure Your Business Today!
Book a FREE PCI-DSS Compliance Audit with Cloud Patrons & Protect Your Payments Now!
