Know Everything About the Steps To Achieve PA DSS Compliance
PA DSS Compliance
When we talk about the digital world, the main thing that concerns everyone is the security check while making online payments using credit and debit cards. Several cases are reported daily for fraud or breach which risks the cardholder’s data and money.
The Payment Application Data Security Standard (PA DSS) includes the standard set by the Payment Card Industry Security Standards Council (PCI SSC) to validate the payment application that helps to store, process and uses the cardholder’s details for making authorized payments. Thus, a business owner who hires the software vendor to develop such payment application should have a valid PA DSS compliance.
Important considerations for the PA DSS compliance:
All the organizations or business that operate by using credit or debit card for the payment should take into consideration that is important to have the PA DSS compliance. These important considerations for the payment application include:
No storage or retaining of the full track data, the card verification value or code or the PIN data of the card
Protection of the stored cardholder’s details
Provide security authentication features
Develop secured payment application
Include secured network implementation.
Testing the payment application for the flaws, maintaining up-to-date payment application and removing the flaws for smooth functioning
Provide secured remote access to the payment application
No storing the cardholder’s data on the server that is connected to the internet to prevent loss of data
Maintain and provide the implementation guide to the customers, resellers and integrators for ease of understanding
Provide a training program for the members involved like customers, resellers and integrators
Steps to achieve PA DSS compliance:
Certain requirements need to be fulfilled to achieve PA DSS compliance. These requirements include:
Installation and maintenance of firewall configuration for protection of cardholder’s data: This will scan the network segments to block or avoid the non-authorized traffic. It also has the checks on the gaps in the firewall and also the interconnection in the devices and the network maps.
Protection of stored cardholder’s data: Implementation of end-to-end encryption by use of cryptographic keys to protect the cardholder data.
Use of updated antivirus software: It is important to protect all the systems from the different malware. It is important to get all the devices regularly updated for the updated antivirus software or program.
Development and maintenance of secured systems and applications: Ensure not using the common coding to avoid vulnerabilities in the software development. Enforce use of high-level security standards.
Restricted access to cardholder data: It is important to define and map the appropriate users that can access the cardholder details at an operating system level and deny the permission to access other non-defined users.
Identification and authenticated access to the system components: This includes locking out if the user has more number of failed attempts. The account should be inactivated if shows inactivity for more than 90 days.
Follow these simple steps and enjoy the benefits of PA DSS Compliance and safety.