PCI Compliance Scanning & SAQ
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Finding Help With Your PCI DSS Compliance Process
Every business that accepts credit or debit card payments on the internet must be PCI DSS complaint. The actual acronym stands for Payment Card Industry Data Security Standard. In short, they are a set of requirements that were designed to protect online consumers from identity fraud and theft.
As these crimes have grown increasingly common, the PCI standards have become quite rigorous. Not to mention the fines and penalties that can be accessed when a business fails to comply with PCI DSS.
What can they do? When a company violates these basic rules, the bank or financial institution that granted them a merchant service account will be hit with a series of fines. These fines will then be passed on to the account holder in the form of higher transaction fees. The bank may also decide to terminate the account if the risk of future fines is too high.
While the costs of PCI compliance can be quite steep, they are nothing compared to the fines that will inevitably be accessed if your company fails to comply. Let us take a moment to explain exactly what it takes to meet PCI standards.
No matter the size of your company or the number of monthly transactions, there are three basic validation tests that your website may have pass in order to prove PCI compliance.
These validation tests and tools are as follows: the Self-Assessment Questionnaire (SAQ), the Quality Security Assessor (QSA), and the PCI SCC vulnerability scan. Your merchant service provider may ask you to complete one or all of these tests. At the very least, you will be asked to complete a standard SAQ. While larger companies that compete in risky industries may be asked to consult a QSA.
When it comes to the vulnerability scan, only companies that store credit card info on their servers will be expected to complete one on a quarterly basis. This is a standard requirement that all banks and financial institutions adhere to.