Certification In India

PCI DSS Certification

Payment Card Industry Data Security Standard

What is PCI DSS Certification?

PCI DSS certification, or Payment Card Industry Data Security Standard certification, is a validation process confirming that a company adheres to the security standards outlined by the PCI Security Standards Council (PCI SSC). This certification ensures that businesses that handle credit card transactions maintain a secure environment for processing, storing, or transmitting credit card data.

To achieve PCI DSS certification, companies must undergo a series of steps, including assessments, remediation of any identified vulnerabilities, validation of compliance, submission of documentation, and finally, certification approval by relevant payment card brands or acquiring banks.

Once certified, companies must continuously uphold PCI DSS requirements and undergo regular assessments to maintain their certification status. Achieving and maintaining PCI DSS certification is crucial for businesses to demonstrate their commitment to protecting sensitive financial information and to ensure trust among customers and partners in handling credit card transactions securely.

Benefits of PCI DSS Certification

Enhanced Security

Implementing PCI DSS standards strengthens security measures, reducing the risk of data breaches, fraud, and unauthorized access to sensitive credit card information.

Customer Trust and Confidence

PCI DSS certification demonstrates a commitment to protecting customer data, enhancing trust and confidence among customers, leading to increased loyalty and retention.

Compliance with Regulations

PCI DSS certification ensures compliance with industry regulations and standards, avoiding potential fines, penalties, or legal consequences for non-compliance.

Reduced Financial Risks

By mitigating the risk of data breaches and fraud, PCI DSS certification helps organizations avoid financial losses associated with security incidents, including legal fees, remediation costs, and damage to reputation.

Competitive Advantage

Being PCI DSS certified can provide a competitive edge by demonstrating a higher level of security and reliability compared to non-certified competitors, potentially attracting more customers and business opportunities.

Partnership Opportunities

Many partners, vendors, and financial institutions require PCI DSS compliance as a prerequisite for doing business. Certification opens up opportunities for collaboration and partnerships with other compliant organizations.

Who can get PCI DSS Certification?

PCI DSS certification is available to any organization that handles credit card transactions and seeks to demonstrate compliance with the Payment Card Industry Data Security Standard. This includes:


Both physical retail stores and online retailers.

E-commerce Platforms

Websites or online platforms that facilitate transactions.

Financial Institutions

Banks, credit unions, and other financial institutions that handle credit card transactions or provide payment processing services.

Payment Processors

Companies that process credit card transactions on behalf of merchants.

Service Providers

Third-party service providers that have access to or handle credit card data on behalf of merchants, such as cloud service providers, hosting companies, and software vendors.

Hospitality Industry

Hotels, restaurants, and other businesses in the hospitality sector.

Healthcare Providers

Hospitals, clinics, and medical practices.

Non-profit Organizations

Non-profit organizations that accept donations or payments via credit cards.

Government Agencies

Government agencies that accept credit card payments for services or fees.

Educational Institutions

Schools, colleges, and universities.

What are the 12 requirements of PCI DSS Compliance?

The Payment Card Industry Data Security Standard (PCI DSS) outlines 12 requirements that organizations must fulfill to achieve compliance and ensure the security of credit card data. These requirements are:

  1. Install and maintain a firewall configuration to protect cardholder data: Implement robust firewall systems to secure network boundaries and restrict unauthorized access to cardholder data.

  2. Do not use vendor-supplied defaults for system passwords and other security parameters: Change default passwords and settings on all systems and devices to prevent easy exploitation by attackers.

  3. Protect stored cardholder data: Encrypt stored cardholder data and limit access to it, ensuring that only authorized personnel can view or retrieve sensitive information.

  4. Encrypt transmission of cardholder data across open, public networks: Use strong encryption protocols to safeguard cardholder data when transmitting it over public networks such as the internet.

  5. Use and regularly update anti-virus software or programs: Employ up-to-date anti-virus software and malware protection mechanisms to detect and prevent malicious software threats.

  6. Develop and maintain secure systems and applications: Regularly update and patch systems, applications, and software to address known vulnerabilities and minimize the risk of exploitation.

  7. Restrict access to cardholder data by business need-to-know: Implement access controls and authentication mechanisms to ensure that only authorized individuals can access cardholder data based on their specific roles and responsibilities.

  8. Assign a unique ID to each person with computer access: Assign unique user IDs to all personnel with access to cardholder data, enabling accountability and traceability of actions performed on systems and networks.

  9. Restrict physical access to cardholder data: Implement physical security measures to prevent unauthorized access to systems, servers, and storage devices that store cardholder data.

  10. Track and monitor all access to network resources and cardholder data: Implement logging mechanisms and monitoring tools to track and analyze access to systems, networks, and cardholder data, enabling timely detection of suspicious activities or security incidents.

  11. Regularly test security systems and processes: Conduct regular vulnerability assessments, penetration testing, and security audits to identify weaknesses and assess the effectiveness of security controls.

  12. Maintain a policy that addresses information security for all personnel: Develop and maintain comprehensive security policies and procedures that address information security responsibilities, requirements, and guidelines for all personnel, ensuring awareness and compliance throughout the organization.

These 12 requirements serve as the foundation for achieving PCI DSS compliance and protecting the confidentiality, integrity, and availability of cardholder data. Organizations must implement and maintain these measures continuously to mitigate risks and maintain a secure payment environment.

What is the Role of Shamkris?



Gap Assessment

Gap Report

Technical Review

UAPT & Remedies

Preparation of Documents

Policy, Procedures, Formats, Checklist


Awareness & Internal Audit


Record Generation, Review of Implementation of PCI DSS

Third Party Audit / Assessment

NCR Closure & Issued Certification

Annual Support

Monthly / Quarterly / Half Year / Yearly

Issuing Authority of PCI DSS

Approved Agency
Approved CB