POSitive Processing Blog
Are you PCI Compliant?
Monday, November 12, 2018
Whole Foods. Delta. It seems like there are reports of a new credit card breach
every week. While the largest data breaches are the ones that make headlines,
the reality is that it's the nation's smaller merchants who are most
one of the nation's largest retailers with 4000+ U.S. stores, is vulnerable,
what can small and medium-sized businesses and organizations -- who have a
fraction of the security resources available -- do? The first step is become
In order to
ensure that card and cardholder information is maintained in a secure
environment, any entity that accepts credit and debit cards must adhere to an
established set of security requirements known as the Payment Card Industry
Data Security Standard (www.pcisecuritystandards.org). Following these
guidelines and becoming compliant involves a system-wide examination of how
card and cardholder data is handled within your organization. After the
self-examination, remedial security protection measures can be put into place.
employee and contractor errors are a major cause of data breaches, security
training should also be completed. Look beyond your employees to your outside
vendors, such as website hosting companies, IT consultants and security system
providers. Something as simple as having an open port on a security camera can
provide an opportunity for a hacker.
once your processes and systems are secure, keep them that way. Institute
regular system scans from a certified Approved Scanning Vendor (ASV) to detect
potential system entry points. Quarterly scans are recommended as a best
realize the importance of data protection, OMEGA Processing provides merchants
with an entire suite of fraud security products.
to your business needs, the PCI ToolKit provides specific security and
compliance solutions, allowing you to reduce risk and focus on your customers.
Management Program—A comprehensive suite of services that provide expert
assistance if a breach should occur. The Data Incident Management Program will
reduce exposure and risk, increase your compliance levels and save you time and
Scanning—An automatic quarterly scan of your systems can pinpoint potential
vulnerable points of entry and detect cardholder data theft before the breach
to $100,000 per incident in insurance
protection should your business experience a breach of card/cardholder data.
ToolKit and ASV scanning help you achieve and maintain compliance. And, because
it's not a perfect world, our Breach Reporting ToolKit and breach insurance
protect you in the unlikely event your system is compromised.
The world of data protection can be daunting and confusing.
Your first inclination as a business owner might be to "stick your head in
the sand," and cross your fingers that it doesn't happen to you. Being
proactive, however, and becoming PCI compliant is the best way to protect your
business and customers from a data breach.
PCI is basically an insurance policy and you’re put in the
less risky category if you’re PCI compliant so not only is it safer, it’s
cheaper to go through all the security processes. Consistently passing PCI
scans just means you’re doing all that you can do to keep card holder data safe
so you, as a merchant, are cheaper to ensure, thus pay smaller fees every
month. Being PCI compliant doesn’t affect the $100,000 per incident, think of
it as being like a lower premium for health insurance because you don’t smoke
and eat healthy.
Contact your OMEGA Relationship Specialist today to ask how you can protect your business and become PCI compliant.
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