Steps to get PCI DSS certification

What is PCI DSS

PCI DSS, short for Payment Card Industry Data Security Standard, is a globally recognized set of security measures designed to protect credit and debit card transactions. Developed by top financial institutions like Visa, MasterCard, American Express, Discover, and JCB, these standards are governed by the Payment Card Industry Security Standards Council (PCI SSC).

At mditservices, we understand how critical compliance is for businesses handling cardholder data. This guide will walk you through everything you need to know about PCI DSS, from its governance and requirements to the steps for achieving certification.

Governance and Origin

The PCI Security Standards Council (PCI SSC) was founded in 2006 by five major payment brands. These organizations jointly oversee the governance, maintenance, and evolution of the PCI DSS framework.

Each founding member incorporates PCI DSS into their own compliance programs and recognizes assessors certified by the PCI SSC. This shared governance ensures that security standards remain consistent and effective worldwide.

Why Certification Matters

For any business that processes card payments, PCI DSS compliance is not optional—it’s mandatory. Here’s why it matters:

• Customer Trust: Secure data handling reassures customers their card details are safe.

• Risk Mitigation: Reduces the chance of breaches, fraud, and penalties.

• Regulatory Compliance: Aligns with international financial security regulations.

At mditservices, we help businesses align their operations with PCI DSS to build a secure payment environment.

Key PCI DSS Requirements

The standard is built around 12 core security requirements grouped under six goals. These cover both technical controls and operational processes:

1. Build and Maintain a Secure Network

• Install and maintain firewall configurations.

• Avoid insecure protocols like Telnet or FTP.

• Implement anti-spoofing and NAT mechanisms.

2. Protect Cardholder Data

• Encrypt stored cardholder data (PAN).

• Mask PAN on displays unless justified.

• Encrypt transmission across public networks.

3. Maintain a Vulnerability Management Program

• Use updated antivirus programs.

• Patch system vulnerabilities.

• Conduct code reviews and secure development practices.

4. Implement Strong Access Control Measures

• Enforce role-based access control.

• Assign unique IDs and implement MFA.

• Limit physical and electronic access to data.

5. Monitor and Test Networks

• Enable audit logs for all systems.

• Perform regular vulnerability scans and penetration testing.

• Monitor intrusion and integrity of files.

6. Maintain an Information Security Policy

• Define and regularly update security policies.

• Conduct risk assessments annually.

• Train employees and enforce incident response plans.

PCI DSS Compliance Levels

Merchants are divided into four compliance levels based on annual transaction volume:

The Certification Process

Achieving PCI DSS certification involves four clear stages:

Step 1: Fulfill the 12 Requirements

Start by meeting the 12 core requirements listed earlier. This involves:

• Implementing technical safeguards.

• Updating processes and infrastructure.

• Documenting policies and system settings.

Step 2: Determine Your Merchant Level

Based on the number of card transactions your business processes annually, determine your compliance level. For Levels 2–4, a Self-Assessment Questionnaire (SAQ) is needed. Level 1 businesses require a Qualified Security Assessor (QSA) and an official Report on Compliance (ROC).

Step 3: Prepare Thoroughly

• Risk Assessment: Identify vulnerabilities and threats.

• Gap Analysis: Check for compliance gaps and create a remediation plan.

• Policy Development: Align policies with PCI DSS expectations.

• Mock Assessment: Engage a QSA to simulate an actual compliance audit.

Step 4: Validate and Submit Documentation

• SAQ + AOC: For small to medium businesses.

• ROC + AOC: For large merchants, prepared by a certified QSA.

Tools and Documentation Needed

To support your PCI DSS efforts, prepare the following:

• Network diagrams.

• Cardholder data flow diagrams.

• Risk assessment reports.

• Security policy documents.

• Vendor management logs.

• System configuration standards.

• Antivirus, patching, and logging records.

Best Practices for PCI DSS Certification

At mditservices, we recommend these best practices for long-term compliance:

• Use only PCI-approved point-of-sale (POS) devices.

• Regularly update all payment and security software.

• Avoid storing sensitive card data.

• Change default credentials immediately upon installation.

• Restrict access to card data on a need-to-know basis.

• Train staff on data security and safe handling procedures.

• Perform regular vulnerability scans and penetration testing.

• Use strong passwords and enforce MFA.

• Secure physical access to all systems processing card data.

PCI DSS v3.2.1 and Upcoming Version 4.0

As of now, PCI DSS v3.2.1 is widely in use and was last updated in May 2018. However, version 4.0 is available and businesses are expected to transition by March 31, 2025.

mditservices recommends starting the migration planning early to avoid last-minute compliance risks.

Conclusion

PCI DSS certification is essential for any business involved in handling cardholder data. By following the standard’s guidelines, you not only protect your business from cyber threats and legal consequences but also build trust with your customers.

At mditservices, we offer end-to-end PCI DSS consulting, gap analysis, policy development, audit readiness, and certification support. Let us help you navigate compliance with confidence.

We have a team of experts with expertise in this field, Hire us

If you have any doubt Contact us