Skip to main content

Request SaaS Deployment

Contact Sales

PCI DSS Compliance Solutions

Monitor insider activity. Detect anomalies. Respond to incidents. ALL-IN-ONE

What’s new in PCI DSS version 4.0?

The key changes that have been implemented to enhance security measures in PCI DSS v4.0 include:

  • Access privileges now require biannual reviews to ensure up-to-date permissions.
  • All passwords used for payment systems must be changed annually, and additionally in the event of suspicious activity or a data breach.
  • Multi-factor authentication (MFA) is now mandatory for all accounts accessing sensitive card data.
  • Third-party accounts must only be used when necessary. Also, they must be regularly monitored to mitigate potential security risks.
  • Account passwords must adhere to stricter criteria: they must be both strong and unique, consisting of a minimum of 15 alphanumeric characters (both letters and numbers).

Adopting these changes is crucial, as they can help your organization build a stronger PCI DSS compliance program, implement effective PCI DSS compliant software, and achieve sustainable and effective control over cardholder data.

How Ekran System solutions help ensure PCI DSS compliance

Ekran System is a comprehensive insider risk management platform that can help merchants, processors, acquires issuers, and other service providers monitor access to cardholder data, mitigate security risks, and meet industry requirements.

Benefits of using Ekran System for PCI DSS compliance

Enhance organizational security

Monitor access to sensitive data

Detect insider threats

Promptly respond to incidents

Prevent data breaches

Avoid fines and penalties

Who needs PCI DSS compliance?

Any entity that stores, transmits, or processes credit card data must be PCI DSS compliant. That means any company processing financial transactions should meet PCI DSS requirements. Even if your company employs a third-party vendor to process payments, you still need to secure data transmitted by your website.

PCI DSS compliance level

< % non compliant

2018

36.7%
63.3%

2019

27.9%
72.1%

2020

43.4%
56.6%

According to the Verizon 2022 Payment Security Report

PCI DSS compliance requirements

PCI DSS consists of 12 requirements. Each contains a set of controls and procedures which you need to implement to bring your financial data security up to standards. Ekran System can help you adhere to the following requirements:

Non-compliance within organizations

Requirement 2

Requirement 3

Requirement 7

Requirement 3

Requirement 10

According to the Verizon 2022 Payment Security Report

PCI DSS statistics aside, let’s take a closer look at these requirements and ways to comply with them.

Requirement 2: Apply secure configurations to all system components

Both external and internal malicious actors frequently exploit default passwords and vendors’ default settings to get access to critical systems. By implementing secure configurations, organizations can significantly reduce the potential attack surface.

Meeting PCI DSS requirements with Ekran System

Security measures required

PCI DSS requirement 2.2:

PCI DSS requirement 2.3:

Corresponding Ekran System functionality

Ekran System can manage:

Requirement 3: Protect stored account data

Security techniques such as encryption and masking are essential for protecting account data. Even if an intruder manages to access encrypted account data, critical information will remain unreadable and useless to the malicious actor. In addition, organizations should consider alternative ways of protecting stored data to mitigate potential risks.

Meeting PCI DSS requirements with Ekran System

Security measures required

PCI DSS requirement 3.6:

PCI DSS requirement 3.7:

Corresponding Ekran System functionality

Requirement 7: Restrict access to system components and cardholder data by business need to know

Meeting PCI DSS requirements with Ekran System

Security measures required

PCI DSS requirement 7.1:

PCI DSS requirement 7.2:

PCI DSS requirement 7.3:

Corresponding Ekran System functionality

Requirement 8: Identify users and authenticate access to system components

Requirement 8: Identify users and authenticate access to system components

1. Establishing the identity of an individual or process on a computer system

2. Verifying that users associated with an identity are who they claim to be

Meeting PCI DSS requirements with Ekran System

Security measures required

PCI DSS requirements 8.2–8.6:

Corresponding Ekran System functionality

Requirement 10: Log and monitor all access to system components and cardholder data

Organizations must track and monitor all access to cardholder data and related network resources in stores, regional offices, headquarters, and via remote access.

System activity logs are important for determining the root cause of data compromise. The implementation of robust logging tools and monitoring of user activity plays a critical role in preventing, detecting, or mitigating the consequences of a data breach.

Meeting PCI DSS requirements with Ekran System

Security measures required

PCI DSS requirements 10.2–10.7:

Corresponding Ekran System functionality

Case Study

Privileged User Monitoring and Auditing for a US-Based Financial Services Company [PDF]

Ekran System – your solution for PCI DSS Compliance

Ekran System can help you address key PCI DSS requirements such as:

  • secure configuration management
  • protection of stored account data
  • restriction of access to system components
  • user identification and authentication
  • activity logging

Let’s get the conversation started

Contact our team to learn how our insider risk management software can safeguard your organization’s data from any risks caused by human factors. Book a call with us at a time that suits you best, and let’s explore how we can help you achieve your security goals.