1+

Experts PCI DSS

2500€

Audit + conformité

10+

Sites e-commerce conformes

15 jours

Mise en conformité

Pourquoi PCI DSS est obligatoire ?

Accepter paiements carte sans PCI DSS = amendes jusqu'à 500 000€, suspension compte marchand, responsabilité fraudes.

Obligation contractuelle

Votre contrat PSP (Stripe, PayPal, banque) impose conformité PCI DSS. Non-respect = suspension compte marchand immédiate.

Amendes importantes

Amendes de 5 000€ à 500 000€/mois selon niveau non-conformité. Plus frais audit imposé + responsabilité fraudes.

Protection données carte

PCI DSS protège données bancaires clients : chiffrement, logs, firewall, scan vulnérabilités, contrôles accès.

What is PCI DSS?

PCI DSS (Payment Card Industry Data Security Standard) is the security standard for protecting card data. Created by Visa, MasterCard, Amex. Defines 12 mandatory requirements for any company processing, storing or transmitting card data.

PCI DSS has 4 compliance levels: Level 1 (>6M transactions/year): annual QSA audit (€50-150K). Level 2-3 (300K-6M): annual SAQ + quarterly scan. Level 4 (<300K): annual SAQ (self-assessment questionnaire). Most e-commerces = Level 4.

On Hackersdate, PCI DSS experts (QSA, ASV certified) help you: gap analysis, security control implementation, quarterly vulnerability scanning, SAQ completion, QSA audit if Level 1. €3,000-50,000 depending on level.

PCI DSS requirements (12)

🔥 Firewall & network

Install and maintain firewall. Network segmentation (cardholder data isolated). No default passwords. Block unauthorized access. DMZ for public-facing systems.

🔐 Encryption

Never store CVV, track data. Encrypt cardholder data at rest and in transit (AES-256, TLS 1.2+). Tokenization (replace card numbers with tokens). Strong encryption keys.

👤 Access control

Restrict data access on need-to-know basis. Unique ID per user. Multi-factor authentication (MFA) for admin access. Access logging and monitoring.

📹 Monitoring & logging

Log all accesses to cardholder data. Centralized logs (SIEM). Daily log review. Video surveillance for physical datacenters. Intrusion detection (IDS/IPS).

🧪 Vulnerability testing

Quarterly vulnerability scans by ASV (Approved Scanning Vendor). Annual penetration testing. Vulnerability management process. Security patches applied.

📋 Security policy

Written information security policy. Annual review. Security awareness training. Incident response plan. Vendor management (ensure subprocessors are PCI compliant).

How to become PCI DSS compliant?

1

Scope definition (Week 1)

Identify cardholder data: where stored, processed, transmitted. Define CDE (Cardholder Data Environment) to segment. Understand your PCI Level (1-4). Choose SAQ type (A, A-EP, D-Merchant).

2

Gap analysis (Week 1-2)

Audit vs 12 PCI DSS requirements. Identification of non-compliances: stored CVV, unencrypted data, no firewall, no logs. Prioritized action plan.

3

Security implementation (Month 1-2)

Install WAF, encrypt data (TLS 1.2+, AES-256), tokenize card numbers, segment network, implement MFA, configure logging (SIEM), patch vulnerabilities.

4

ASV scan & pentest (Month 2-3)

Quarterly vulnerability scan by ASV (Approved Scanning Vendor). Fix found vulnerabilities. Annual penetration testing. Documentation of fixes.

5

SAQ completion & attestation (Month 3)

Complete SAQ (Self-Assessment Questionnaire) according to your type. Attestation of Compliance (AoC). Submit to payment processor. Annual renewal mandatory.

Experts conformité PCI DSS

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FAQ about PCI DSS

Level 4 (SAQ): €3,000-10,000 (consultant + ASV scan + tools). Level 1 (QSA audit): €50,000-150,000. Annual ASV scan: €1,000-3,000/year. WAF: €2,000-10,000/year. Total Level 4: €5,000-20,000.

YES if you accept card payments (Visa, MasterCard, Amex). Even 1 transaction = PCI DSS applies. Payment processors require AoC (Attestation of Compliance). Non-compliance = contract termination + fines.

SAQ (Self-Assessment Questionnaire): self-evaluation for Levels 2-4. Fill questionnaire + ASV scan. €3-10K. QSA audit: independent third-party audit for Level 1 (>6M transactions). €50-150K. Depends on transaction volume.

Partially. If you use Stripe/PayPal redirect (card entered on their page): SAQ A (simplest, 22 questions). If embedded (iframe on your site): SAQ A-EP (193 questions). If you store cards: SAQ D (329 questions).

Banks fine €50-500K. Legal liability: class actions from customers. Forensic investigation: €50-200K. Customer notification: €5-50K. Brand damage. Total cost: €500K-5M. PCI DSS reduces breach risk by 80%.

Annually. SAQ must be completed every year. ASV scans quarterly (every 3 months). Pentest annual. AoC (Attestation of Compliance) valid 1 year. Payment processors request annual proof.

Votre e-commerce est-il conforme PCI DSS ?

Audit + SAQ + scan + mise en conformité en 15 jours.

Audit PCI DSS