MULTICHANNEL The PCI Minefield


By Patrick Juan, Director, Solutions Consultant, Ingenico Enterprise Retail


P


ayment Card Industry Security Standards Council (PCI SSC) requirements tends to get a bit complex and jargon-filled, so


it can be tricky for merchants to understand exactly what they need to do to ensure they are compliant. So, to break it down, the PCI defines a compliance framework for security that merchants must comply with, in order to be allowed to take card payments in their physical and digital stores. Without PCI compliance, merchants will not find an acquirer to work with, and could be fined by the card schemes indirectly through the acquirers. The level of compliance required by merchants depends on the total value of card transactions they process.


It’s essential that merchants look out for PCI compliance from their payment providers, and


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there’s two primary standards that they should be aware of. These are PCI PIN Transaction Security (PCI PTS) for payment terminals and PCI Data Security Standard (PCI DSS) for payment gateways in store and online. Additionally, merchants must manage their payments assets adequately, ensuring that it doesn’t manage cardholder sensitive data such as the card number or CV2 numbers.


In order to do this, merchants should employ a PCI Point to Point Encryption (P2PE) solution (sorry, we can’t completely avoid jargon). P2PE means that the card data is encrypted at source on the PIN pad and stays encrypted until it reaches a PCI DSS environment, usually a PCI DSS compliant gateway. By using a compliant PCI P2PE solution, the merchant PCI compliance burden is significantly reduced. Continues overleaf >


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How can merchants reduce the burden of compliance?


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