Visa’s CISP (Cardholder Information Security Program) and MasterCard’s SDP (Site Data Protection) programs are security initiatives that require merchants to safeguard card data. Visa and MasterCard, along with the other card brands, have adopted common industry security requirements referred to as the Payment Card Industry Data Security Standards (PCI DSS).

Payment Card Industry Data Security Standards (PCI DSS)

The PCI DSS are summarized below. 

Build and Maintain a Secure Network

1. Install and maintain a firewall configuration to protect data
2. Do not use vendor-supplied defaults for system passwords and other security parameters

Protect Cardholder Data

1. Protect stored data
2. Encrypt transmission of cardholders data sensitive information across public networks

Maintain a Vulnerability Management Program

1. Use and regularly update anti-virus software
2. Develop and maintain secure systems and applications

Implement Strong Access Control Measures

1. Restrict access to data by business need-to-know
2. Assign a unique ID to each person with computer access
3. Restrict physical access to cardholder data

Regularly Monitor and Test Networks

1. Track and monitor all access to network resources and cardholder data
2. Regularly test security systems and processes

Maintain an Information Security Policy

1. Maintain a policy that addresses information security

 Fred Erickson

fred@merchantaccountstandard.com

www.merchantaccountstandard.com

Higher Standards, Inc

Voice:  612.229.8808

eFax: 1.888.657.8529