How To Make Your ECommerce Website PCI-Compliant

Own an eCommerce website and thinking what the most important you should focus on? The answer is very simple irrespective of its size, Every online store needs to focus on its security. Implement top-notch security measures to gain the trust of your first time customer and existing customer. It is important that you can ensure that their data/ information will be safe and secure. One of the important aspects is validation from the Payment Card Industry (PCI) Security Standards Council (SSC). Let’s explore more!  

With the evolution of online business, the concern is raised to protect merchants and customers' sensitive data/information from any type of fraud and miss use. So, keeping that in mind the top five companies come together to form an organization named Payment Card Industry Security Standards Council.

With the goal of managing the ongoing evolution of the Payment Card Industry Data Security Standard, the PCI SSC was formed on 7 September 2006 by American Express, Discover Financial Services, JCB International, MasterCard, and Visa Inc. 

Why is it Important?

SSL certificates are not just enough online businesses should do everything to ensure that transactions are as secure as possible. Attackers know the websites which have loopholes in the security in any means and users also aware of these so they stick with the few online stores they already know. This is why ensuring that visitors know about your security measures and assuring visitors that they can trust your website with extremely personal data like addresses and card information is very important. If security is great, then they will stay long enough to find out what happens. 

Goals for Achieving PCI Compliance

The PCI Security Standards are intensive and inflexible. It helps to break large projects into smaller pieces. Each organisation’s requirement has its own set of criteria which helps you to achieve the goal.

  1. Maintain a Secure Network and Systems
    The first requirement “install and maintain a firewall configuration to protect cardholder data.” A firewall helps to set up some standards for traffic on your website and hence can detect any suspicious activity and can also block traffic which not following that defined criteria. The second requirement “do not use vendor-supplied defaults for system passwords and other security managers.” To decrease the threats and frauds make sure you personalise settings instead of using the default ones.
  2. Secure card data 
    The third requirement is “protect stored cardholder data,” Make sure your cardholder’s information is encrypted during transactions on your website. 4th requirement is “encrypt the transmission of cardholder data across open, public networks.”
  3. Maintain management program 
    Hackers use viruses and other software that to penetrate the network to get confidential data. The fifth requirement of PCI compliance “Using and regularly updating anti-virus software” will help you to detect and remove such threats. The sixth requirement is to “develop and maintain secure systems and application.” remain up-to-date with newly released security measures patches and improvements.
  4. Took Strong access control measures 
    To keep your website secure make sure the access to confidential data is restricted. The next requirement which you need to follow for PCI compliance is “restrict access to cardholder data by business need-to-know” and to implement this the next requirement is “assign a unique ID to each person with computer access.” To achieve the goal implement the requirement “restrict physical access to cardholder data.” 
  5. Test and monitor networks 
    This is to regularly monitor the system for potential threats and implements improvements to tackle them. The next important requirements are “track and monitor all access to network resources and cardholder data,” and “regularly test security systems and processes.”
  6. Maintain IS policy
    Achieve PCI compliance by maintaining a policy that addresses information security for all personnel. This is to reviewing and regulating security measures.  

How to Make Your Website Compliant

You need to maintain this yearly and quarterly requirements to make your eCommerce website PCI compliant. Make your website PCI compliant according to your business requirement by following the steps below:

         Step 1: Know different levels

  • Level 1: MasterCard, Visa, or Discover transactions exceed 6 million; American Express 2.5 million; or JCB 1 million
  • Level 2: MasterCard, Visa, or Discover transactions are between 1 and 6 million; American Express between 50,000 and 2.5 million; or JCB under 1 million
  • Level 3: MasterCard (specifically eCommerce transactions), Visa, or Discover transactions are between 20,000 and 1 million; or American Express under 50,000
  • Level 4: MasterCard, Visa, or Discover transactions are below 20,000  

    Step 2: Remove Weak Spots with ASVs
    Along with the completed documents obtain the services of an SSC approved third-party to check for PCI compliance for your business. These companies are called approved scanning vendors.

    Step 3: Documentation 
    If you are a starter then to declare you are meeting security standards then you need to fill the AOC form i.e. attestation of compliance. Also, you need to complete documents PCI DSS Self-Assessment Questionnaire(SAQ). 

    Step 4: wait for the approval 
    After document submission waits for the validation of the documents from the brands with whom you are working.

As an e-commerce owner/startups you must consider the security approach, consider your user preferences and facts what makes your eCommerce store more secure for the purchases.

Start-ups/new entrepreneurs/E-commerce owners Hope you found it helpful. If you need more help, Contact Us for an exploratory session about how you can make your applications and websites more secure. We’ve helped over 100+ brands to successfully build their apps and we’ll be happy to do the same for you.

Posted by: Incaendo
PCI compliance, PCI, Security, eCommerce