PCI DSS Certification in Dubai-UAE

The Payment Card Industry Data Security Standard (PCI DSS)

What is a PCI DSS certification?

PCI DSS certification is an audited assurance of adherence to the PCI DSS standard that aims to protect sensitive cardholder information. The Payment Card Industry Data Security Standard requires companies that collect, store, or transmit credit card data to maintain a secure environment and minimize fraud and breaches.

PCI certification is achieved once you meet the PCI requirements established by the PCI Security Standards Council (PCI SSC), which comprises six major payment brands: American Express, Discover, JCB, MasterCard, and Visa Inc. The 12 major requirements include installing firewalls, encrypting data, and more.

Why is PCI DSS certification required?

PCI DSS certification is required to protect sensitive cardholder and authentication data, whether stored, transmitted, or processed. This applies whether you are a global enterprise or a start-up.

Your business must always be compliant, and if you accept credit card brands like American Express, JCB International, VISA, and more, you should validate your compliance annually.

PCI DSS compliance burden applies to all companies that collect, process, and transmit credit card data. If you accept or process credit card payments as a service provider, you must comply with PCI DSS requirements based on the security policy.

PCI DSS Compliance levels

• Level 1: Applies to merchants processing more than six million real-world credit or debit card transactions annually. Conducted by an authorized PCI auditor, they must undergo an internal audit once a year. In addition, once a quarter they must submit to a PCI scan by an Approved Scanning Vendor (ASV).
• Level 2: Applies to merchants processing between one and six million real-world credit or debit card transactions annually. They’re required to complete an assessment once a year using a Self-Assessment Questionnaire (SAQ). Additionally, a quarterly PCI scan may be required.
• Level 3: Applies to merchants processing between 20,000 and one million e-commerce transactions annually. They must complete a yearly assessment using the relevant SAQ. A quarterly PCI scan may also be required.
• Level 4: Applies to merchants processing fewer than 20,000 e-commerce transactions annually, or those that process up to one million real-world transactions. A yearly assessment using the relevant SAQ must be completed and a quarterly PCI scan may be required.

Benefits of getting PCI DSS certification

PCI DSS provides a baseline security for the burden of customer data you hold. But apart from that, here are some of the benefits you’ll receive directly or indirectly when you become PCI-compliant.

• 1. Prevents data breaches
• 2. Increases customer trust
• 3. Avoid paying penalties
• 4. Improves your business trajectory