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PCI COMPLIANCE

Are you PCI Compliant?

All merchants accepting credit cards must comply with the Payment Card Industry Data Security Standard (PCI DSS) before July 2010.

What is PCI-DSS?

The Payment Card Industry Data Security Standard (PCI-DSS) is a worldwide information security standard mandated by the Payment Card Industry Security Standards Council.


Who makes up the PCI Council?

The council was formed as a collaborative effort between the five major card brands: Visa, MasterCard, American Express, Discover, and JCB. By coming together, standards were created to help organizations that process card payments prevent credit card fraud through increased controls around data and its exposure to compromises. The major card brands have allowed acquirers and processors to enforce compliance through their own means.


Why should I become compliant?

You should become PCI compliant in order to make sure you are taking the proper care to ensure that cardholder data is protected. If a breach were to happen at your location, and if you are not PCI compliant at the time, the card associations may assess a fine against you and you will be liable for all the fraudulent transactions caused by the breach. However, if you are compliant, the fine may be reduced and you may not be responsible for the fraudulent transactions.


How do I become compliant?

As a merchant, you will be responsible to become PCI compliant by PCI regulations. However, as a USBSI merchant, we offer in house PCI assistance to guide you and your business in achieving PCI compliance. Merchants are often advised to complete compliance by going online or by requesting a Self Assessment Questionnaire (SAQ). Through these outlets, USBSI’s dedicated staff will provide guidance and advice to questions you have regarding PCI compliance.

If you have further questions concerning PCI compliance and its requirements, you may contact a USBSI PCI Specialist at 888-525-8558 or visit the PCI Council’s website at http://www.pcisecuritystandards.org