Avoid penalties with bulletproof PCI DSS compliance
Processing cardholder data means regulatory exposure that can destroy your business overnight. I implement comprehensive protection across 12 security requirements that satisfy QSA validation and eliminate penalty risk.
per month
Plus increased transaction fees and potential card processing privilege revocation
The real cost of
non-compliance
📊
$5K - $100K
Monthly Fines
Progressive penalties based on merchant level and processing volume
💳
+$0.10
Transaction Fees
Per transaction surcharge until compliance is achieved
🚫
100%
Processing Loss
Complete revocation of card processing privileges
Compliance isn't optional
Comprehensive protection across every attack vector
Firewall Configuration
Install and maintain a firewall configuration to protect cardholder data
Network segmentation
DMZ configuration
Rule documentation
Default Security Parameters
Do not use vendor-supplied defaults for system passwords and other security parameters
Password policies
Default account removal
Secure configurations
Stored Cardholder Data Protection
Protect stored cardholder data through encryption and secure deletion
Data encryption
Key management
Secure disposal
Data Transmission Encryption
Encrypt transmission of cardholder data across open, public networks
TLS implementation
VPN protocols
Wireless security
Anti-Virus Protection
Protect all systems against malware and regularly update anti-virus software
Malware detection
Regular updates
System monitoring
Secure System Development
Develop and maintain secure systems and applications
Secure coding
Vulnerability management
Change control
Access Control by Business Need
Restrict access to cardholder data by business need to know
Role-based access
Least privilege
Access reviews
Unique User Authentication
Identify and authenticate access to system components
Unique user IDs
Multi-factor authentication
Password management
Physical Access Restrictions
Restrict physical access to cardholder data
Facility controls
Media protection
Device inventory
Network Access Monitoring
Track and monitor all access to network resources and cardholder data
Audit logging
Log monitoring
Incident detection
Security Testing
Regularly test security systems and processes
Vulnerability scanning
Penetration testing
IDS monitoring
Information Security Policy
Maintain a policy that addresses information security for all personnel
Security policies
Staff training
Incident response
Your compliance requirements depend on processing volume
6M+ transactions/year
Annual Report on Compliance (ROC) by QSA
$100,000/month
Non-compliance penalty
1-6M transactions/year
Annual Self-Assessment Questionnaire (SAQ)
$50,000/month
Non-compliance penalty
20K-1M e-commerce/year
Annual Self-Assessment Questionnaire (SAQ)
$25,000/month
Non-compliance penalty
<20K e-commerce/year
Annual Self-Assessment Questionnaire (SAQ)
$5,000/month
Non-compliance penalty
Higher volume = Higher stakes
Get it right the first time
Systematic deployment across 3-9 months
Scope Definition
Week 1-2Cardholder data flow mapping and environment segmentation validation
Gap Analysis
Week 3-4Current state assessment against 12 PCI DSS requirements
Control Implementation
Week 5-16Deploy security controls, policies, and monitoring systems
Testing & Validation
Week 17-20Vulnerability scanning, penetration testing, and QSA coordination
Stop gambling with
$100K monthly fines
Corey Kaye
PCI DSS Compliance Specialist
PCI DSS EXPERTISE
Zero penalties across 200+ implementations. QSA-certified methodology covering all 12 requirements and merchant levels.
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