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Scope-Reducing PCI Compliance Solutions

TokenEx's modern cloud architecture, PCI compliance solutions, and certified compliance experts can help you minimize PCI scope to simplify the compliance process.

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What is PCI Compliance?

The Payment Card Industry Data Security Standard (PCI DSS) is an industry requirement for securing cardholder data around the world. Established by the Payment Card Industry Security Standards Council (PCI SSC)—which consists of American Express, Discover Financial Services, JCB International, MasterCard Worldwide, and Visa Inc.—the PCI DSS must be followed if an organization wishes to process, store, or transmit the cardholder data of their customers issued by these card brands.

The people, processes, and technology within your organization that interact with or are exposed to payment card information are subject to the PCI DSS. To ensure your organization is PCI compliant, you’ll need to adhere to the 12 requirements, including more than 300 security checks, within the PCI DSS.

What is Needed for PCI Compliance?

To achieve PCI compliance, organizations need to follow 12 requirements laid out in the PCI DSS. These PCI compliance requirements fall under six overarching categories that provide an overview of the security controls necessary for PCI compliance. To learn more about PCI compliance requirements, download our PCI DSS Compliance Guide.

 

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PCI DSS Compliance Categories

1. Build and maintain a secure network and systems 2. Maintain protection of cardholder data 3. Maintain a vulnerability management program 4. Implement strong access control measures 5. Regular monitoring of test networks 6. Maintain an information security policy

Requirements

  • Install and maintain a firewall configuration to protect cardholder data
  • Do not use vendor-supplied defaults for system passwords and other security parameters

Requirements

  • Protect stored cardholder data
  • Encrypt transmission of cardholder data across open, public networks

Requirements

  • Use and regularly update anti-virus software or other threat detecting and prevention programs
  • Develop and maintain secure systems and applications

Requirements

  • 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

Requirements

  • Track and monitor all access to network resources and cardholder data
  • Regularly test security systems and processes

Requirement

  • Maintain a policy that addresses information security for all personnel

PCI DSS Compliance Categories

Requirements

  • Install and maintain a firewall configuration to protect cardholder data
  • Do not use vendor-supplied defaults for system passwords and other security parameters

Requirements

  • Protect stored cardholder data
  • Encrypt transmission of cardholder data across open, public networks

Requirements

  • Use and regularly update anti-virus software or other threat detecting and prevention programs
  • Develop and maintain secure systems and applications

Requirements

  • 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

Requirements

  • Track and monitor all access to network resources and cardholder data
  • Regularly test security systems and processes

Requirement

  • Maintain a policy that addresses information security for all personnel

Is PCI Compliance Mandatory?

The PCI DSS must be implemented by all entities that process, store, or transmit cardholder data issued by the five major card brands comprising the PCI SSC. Although compliance with the PCI DSS is not required by law, organizations could potentially experience fines and penalties from the PCI SSC as a response for noncompliance.

What Happens if You Do Not Meet PCI Compliance?

If you want to be able to conduct business by accepting physical, mobile, or online payments from the major card brands, then you need to make sure you are compliant with the PCI DSS. If a breach or event involving data exposure were to occur and an entity was found not to be PCI compliant, that organization would be subject to fines and, in more extreme cases, potentially no longer allowed to accept payments from cards issued by the major brands. Again, PCI security compliance is not mandatory from a legal standpoint, but if the PCI SSC finds an entity to be noncompliant with the PCI DSS, it can severely fine and penalize that organization for violations.

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Any Data, Any Destination

Integrate with any payment service provider.

Don't disrupt your existing business processes or be restricted by an inability to change providers. Enjoy the freedom of working with any PSP or third party with a fast and seamless integration to our processor-agnostic Transparent Gateway.

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Omnichannel Acceptance

Accept PCI data from a variety of sources.

No matter how you accept payments, TokenEx can secure them wherever they are captured. We work with almost any card-not-present payment method and can integrate with nearly any processor.

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Platform Availability

Ensure your data is available when you need it.

Partner with an industry-leading secure cloud provider. TokenEx offers all the redundancy, availability, and scalability your business needs to grow and succeed.

Seamless Integration

Pick your partners without limitations.

Work with nearly any service provider, customer, or vendor. TokenEx's open-integration platform gives you the freedom to choose what's best for you, and the flexibility to change quickly and easily whenever you want.

Key Features

  • PCI-certified tokenization
  • Scope-reducing data management
  • Omnichannel acceptance
  • Processor-agnostic payment gateway
  • Smooth, flexible integration

What is PCI Compliance Certification?

Entities are able to certify their PCI compliance once all of the requirements and controls specific to their compliance level are met and validated. There are four PCI DSS compliance levels, and the level an entity belongs to depends on the number of transactions it is conducting per year.

  • Compliance level 1 applies to entities processing more than 6 million real-world credit or debit transactions annually. To certify their PCI compliance, level 1 organizations must undergo an annual PCI assessment, which must be conducted by an authorized PCI auditor (called a Qualified Security Assessor, or QSA). In addition, they must submit to an external vulnerability scan by an Approved Scanning Vendor (ASV) once per quarter.

  • Compliance level 2 applies to entities processing between 1 million and 6 million real-world credit or debit transactions annually. To certify their PCI compliance, level 2 organizations must complete an annual PCI assessment using a Self-Assessment Questionnaire (SAQ). In addition, a quarterly external vulnerability scan could be required.

  • Compliance level 3 applies to entities processing between 20,000 and 1 million ecommerce transactions annually. To certify PCI compliance certification, level 3 organizations must complete a yearly PCI assessment using the relevant SAQ. In addition, a quarterly external vulnerability scan could be required.

  • Compliance level 4 applies to entities processing less than 20,000 ecommerce transactions annually or those that process up to 1 million real-world transactions. To certify PCI compliance, level 4 organizations must complete a yearly PCI assessment using the relevant SAQ. In addition, an annual external vulnerability scan could be required.

It is easy to see how the many controls and potential penalties associated with the PCI compliance process can contribute to stress and uncertainty for any number of businesses. The cost and complexity of maintaining compliance—combined with the effort and expertise required to support and validate it—can be burdensome for even the most advanced organizations.

Unfortunately, when it comes to PCI compliance, there is no single PCI compliance solution that can handle or maintain all the necessary PCI DSS services for an organization in full. It takes a significant amount of time and effort even with the assistance of some PCI DSS compliance software and tools designed to simplify the process.

However, there are a number of solutions that can help streamline the PCI compliance process. We believe one of the best techniques to make compliance easier is to use tokenization to reduce the amount of cardholder data entering your environment.

By utilizing tokenization, you entirely remove the sensitive credit card or debit card data from your internal systems, which drastically reduces your scope of compliance while preserving certain aspects of the original data for use in analytics and other crucial business processes and reporting. These benefits can decrease the cost and complexity of compliance without restricting or otherwise adversely affecting operations.

For a more detailed look at the ins and outs of tokenization and how it can help businesses protect their data and achieve operational success, download our “How to Choose a Tokenization Solution” ebook or view our blog now.

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With the TokenEx Cloud Security Platform, we don’t have to worry about losing data to hackers, or the constant audits and testing of PCI compliance. Now that all our data is tokenized and securely vaulted by TokenEx, there is a huge decrease in time and manpower that was previously dedicated to PCI compliance.

Max Grannan | Senior IS Director of Security and Compliance , MRC Global
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Alex and his team have extensive knowledge of the ins and outs of PCI compliance and how their Tokenization Cloud Security Platform can readily integrate with our mobile platform.

Dazhi Chen | Co-Founder, Relevant Mobile (Bridg)
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Compliance via Scope Reduction: PCI DSS Guide

Learn how you can comply with PCI requirements by removing data from the scope of your cardholder data environment with TokenEx's industry-leading cloud-based tokenization platform.

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