PCI DSS v4.0.1 Compliance Readiness
Secure cardholder data, prevent payment breaches, and comply with RBI payment aggregator guidelines. SNB Consultancy provides comprehensive PCI DSS v4.0.1 compliance consulting for fintechs, payment gateways, e-commerce platforms, and card processing entities.
PCI DSS (Payment Card Industry Data Security Standard) is the mandatory security framework established by Visa, Mastercard, American Express, Discover, and JCB to protect cardholder data (CHD) and sensitive authentication data (SAD).
Our PCI DSS Compliance Services Include:
- Cardholder Data Environment (CDE) scoping and network segmentation review
- Gap assessment against 12 principal PCI DSS v4.0.1 requirements
- Self-Assessment Questionnaire (SAQ) selection and drafting (SAQ A, SAQ A-EP, SAQ D)
- Quarterly Approved Scanning Vendor (ASV) vulnerability scan coordination
- Audit file preparation for Qualified Security Assessor (QSA) Attestation of Compliance (AoC)
PCI DSS Merchant & Service Provider Levels
Compliance requirements depend on annual payment card transaction volumes:
PCI DSS Merchant & Service Provider Classification
| Level | Transaction Volume Threshold | Mandatory Validation Requirement |
|---|---|---|
| Level 1 | Over 6 Million transactions per year | Annual On-site Audit by QSA + Report on Compliance (RoC) + Quarterly ASV Scan. |
| Level 2 | 1 Million to 6 Million transactions per year | Annual Self-Assessment Questionnaire (SAQ) + Quarterly ASV Scan. |
| Level 3 | 20,000 to 1 Million e-commerce transactions | Annual SAQ + Quarterly ASV Scan. |
| Level 4 | Fewer than 20,000 e-commerce transactions | Annual SAQ as requested by acquiring bank. |
The 12 Core Requirements of PCI DSS v4.0.1
- Network Security: Install and maintain network security controls (firewalls/routers).
- Configuration Security: Apply secure configurations to all system components (no vendor defaults).
- Account Data Protection: Protect stored account data (primary account numbers encrypted/hashed).
- Transmission Security: Protect cardholder data during transmission over open, public networks (TLS 1.3).
- Vulnerability Management: Protect systems and software from malicious software (antivirus, patches).
- Secure Systems: Develop and maintain secure systems and software (OWASP Top 10 remediation).
- Access Control: Restrict access to system components and cardholder data by business need to know.
- Authentication: Identify users and authenticate access to system components (MFA mandatory).
- Physical Security: Restrict physical access to cardholder data.
- Log Monitoring: Log and monitor all access to system components and cardholder data (SIEM integration).
- Security Testing: Test security of systems and networks regularly (Penetration testing & ASV scans).
- Security Policies: Support information security with organizational policies and programs.
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ViewEnsure Full PCI DSS v4.0.1 Compliance
Partner with SNB Consultancy for expert network scoping, SAQ selection, vulnerability scan coordination, and QSA audit preparation.
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