Navigating the New SAQs (Helping the 99% validate PCI compliance)

Agenda Introduction Presenter Background The New Self-Assessment Questionnaires o New Categories o Selection Criteria o New Expectations o New Requirements The Biggest Impact o SAQ-EP o Implications Tenable Solutions Questions

Introduction 99% of merchants do not retain a QSA for PCI DSS compliance validation – they self assess Self-Assessment Questionnaires are the ticket Any guidance is provided by vendors (easy, simple) Overview of new SAQ options Highlighting the Changes How do you know which one to use? What other activities (like ASV scanning) are required?

Presenter Jeffrey Man PCI SME/Product Manager (former QSA) T: ext. 366 Straight Talk about PCI (Moderator):

Background 30+ years experience in Information Security o 13 years with the Department of Defense Certified Cryptanalyst Designed Cryptosystems and Cryptologic Aids Founding Member of Systems & Network Attack Center o 17 years in commercial Professional Services Penetration Testing Vulnerability Assessments Security Architecture o 10 years as a QSA Lead Assessor/Assessment Team Member Trusted Advisor

Self-Assessment Questionnaires PCI DSS Version 3

The New PCI DSS V3 SAQ Options SAQ VersionQualification Criteria SAQ A Merchants that entirely outsource their e-commerce websites (including the payment processing) and only paper copy of cardholder data is retained from mail/telephone orders; no electronic storage of cardholder data SAQ A-EP (NEW) Merchants with e-commerce websites that redirect the payment processing to a third party and the website is segmented from the rest of the corporate network; no electronic storage of cardholder data SAQ B Face-to-face merchants with only imprint machines (knuckle busters) or standalone, dial-out payment terminals; no electronic storage of cardholder data SAQ B-IP (NEW) Face-to-face merchants with only standalone payment terminals IP- connected to the payment processor; no electronic storage of cardholder data

The New SAQ Options - continued SAQ VersionQualification Criteria SAQ C Merchants with payment application systems connected to the Internet; no electronic storage of cardholder data SAQ C-VT Merchants with Web-based virtual payment terminals (not eCommerce though); no electronic storage of cardholder data SAQ D-Merchant (NEW) Every other merchant (if you don't fit in one of the previous categories - this is what you fill out) SAQ D-Service Provider (NEW) Service Providers stop here. Period. This is the one you fill out. (Don't bother filling out another version SAQ-P2PE-HW Hardware payment terminals using a PCI-approved P2PE solution Only (did I mention it needs to be a hardware solution) ; no electronic storage of cardholder data

Expected Testing (more than a checkbox)

Which SAQs Require ASV Scanning SAQ VersionASV Scanning Required SAQ-A: Card-not present; all cardholder functions outsourcedNO SAQ-A-EP: Partially outsourced e-commerce; payment processing by third party YES SAQ-B: Imprint or Stand-alone or dial-out terminalsNO SAQ-B-IP: Stand-alone, IP-connected PTS POI terminalsYES SAQ-C: Payment application systems connected to the InternetYES SAQ-C-VT: Web-based virtual payment terminalsNO SAQ-D (Merchant/Service Provider):YES SAQ-P2PE-HW: HW-based PCI-listed P2PE solutionNO

Validate Compliance with an ASV External Vulnerability Scanning o Must be performed by ASV o Quarterly Scan Reports that show “PASS” o Entire Internet presence – not just the ecommerce app or payment/checkout page Provide Attestation signed by an Officer of the company

New SAQ Categories Highlighting the SAQs with the biggest impact

The New SAQ D – Service Providers

Biggest Impact Merchants that have been completing SAQ A because they redirect the payment processing from their e-commerce site to a PCI compliant third party are now going to have to determine which of the new SAQs applies to them. The goal is to bring PCI DSS requirements to the e-commerce site that controls the redirection of the consumer to the payment processor.

E-commerce w/Payment Processor CONSUMER E-COMMERCE SITE SHOPPING CART CHECKOUT (REDIRECT) PAYMENT PROCESSOR CONSUMER BANK

SAQ A-EP Applicability SAQ A-EP has been developed to address requirements applicable to e-commerce merchants with a website(s) that does not itself receive cardholder data but which does affect the security of the payment transaction and/or the integrity of the page that accepts the consumer’s cardholder data. SAQ A-EP merchants are e-commerce merchants who partially outsource their e-commerce payment channel to PCI DSS validated third parties and do not electronically store, process, or transmit any cardholder data on their systems or premises

Leading Payment Gateways

SAQ A-EP Qualifications

Validating PCI DSS Compliance Tenable can help you validate PCI DSS

Tenable Solutions Nessus Vulnerability Scanner (Nessus) o Internal (CDE) vulnerability scanning solution o Configuration and compliance auditing (Credentialed) o Monitor and maintain numerous technical PCI controls Nessus Perimeter Service (PS) o ASV-certified External vulnerability scanning solution o Multi-Scanner feature allows management of all internal and external PCI scans Passive Vulnerability Scanner (PVS) o Identify/confirm data flows; maintain integrity of CDE o Detect unintentional/unknown data flows SecurityCenter Continuous View (SC CV) o Provides real-time compliance monitoring to maintain a compliant state. o Identifies problems with sustaining secure business processes Log Correlation Engine (LCE) o Centralized event logging, analysis, and correlation o File integrity monitoring capabilities

Have More Questions about PCI? Tenable hosts a PCI Discussion Forum where anyone can ask questions related to all aspects of PCI. If your question is a little too sensitive for a public forum, feel free to contact me directly. Jeff Man T: ext. 366 Straight Talk about PCI (Moderator):

Questions?