Tag: PCI Compliance

PCI Compliance: Rules Stiffening

pci complianceAs yet another series of data breaches unfolds, there’s been more focus on PCI compliance than ever before. And for good reason. Apparently the PCI Standards Council, the body that overseas PCI, thinks that too many companies are failing in their obligations.

In just the last two weeks we’ve seen major data breaches announced at firms like JP Morgan Chase, Community Health Systems (4.5 million Social Security Numbers exposed), UPS, Dairy Queen, and more than 1,000 retailers.

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10 Easy Ways To Prevent A Data Breach

prevent data breach
Did you know that there was an average of one data breach every single day in the U.S. last year? That more than 800 million records were exposed in data breaches last year? Or that the average cost of a data breach is now a staggering $3.5 million?

These are not statistics you want to be part of or costs you want to incur. So remember the following tips as part of your breach prevention program:

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Malware

10 Important Security Considerations For Your New Website

So you’re thinking about finally launching your first website. Or you’ve had a website up and running for years but it’s time for an upgrade, an overhaul, and brand new chapter in your online presence.

You’ll have plenty of things to think about and to get right, so just make sure you don’t leave security as an afterthought.

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eCommerce Website Security

7 Things You Need To Know About PCI

What is PCI compliance and how can it impact your business? We break down the 7 most important things you need to know about PCI compliance.

  1. It’s there for a reason. As the Target and many other data breaches have shown, there’s a huge underground market for stolen credit and debit card numbers. Crooks will go to great lengths to get these numbers, and the resulting breaches can be very costly. Even more important, credit card processors worry that more security and data breaches will hurt consumer confidence in using their credit and debit cards, and that’s bad for everyone. PCI Compliance
  2. PCI is like a guard dog that’s not afraid to turn on its master. It’s ultimately designed to protect you, and in the case of smaller firms, without much effort. But if you ignore PCI, it’s not afraid to bite. Failure to comply can mean penalties, fines, and even the inability to accept credit and debit cards.
  3. If you accept credit or debit cards, you can’t avoid it. One of the most common misconceptions is that PCI is only for bigger firms, only applies to businesses that process a minimum number of credit card transactions monthly, or that smaller firms are exempt. None of the above are true. If you accept credit cards, even one transaction, then you have to be PCI compliant.
  4. The world’s top credit card processors, who between them process the majority of credit card transactions in the world each day, created a free roadmap to help you protect against card breaches. And PCI is not just about protecting credit cards. It’s ultimately about protecting your business, your reputation, customer trust, and your future. Not a bad freebie when you think about it.
  5. It’s not a security guarantee. The more credit card transactions you process each year, the more complicated PCI can get. The higher the number of transactions, the more rules you have to follow and the more it will cost you. Yet in spite of all the rules, being PCI compliant is no guarantee that you’ll be secure. PCI should be seen as a baseline and a minimum standard, meant to be combined with other layers of protection.
  6. With so many breaches, and so much in-depth coverage of them, it’s become apparent that even major organizations with huge investments in security and compliance have still fallen victim to security breaches. That’s led to calls to make PCI even tougher. You can expect that to happen in the next few years.
  7. Becoming PCI compliance is easy –  remarkably easy. Compliance is based around a self-assessment questionnaire. That’s right – you answer some questions and you conduct the assessment yourself. A major focus of compliance is making sure that if you accept payments through your website, your website is secure. Luckily that’s also easy. Firms like SiteLock can manage that process seamlessly and affordably.

Becoming PCI compliant is necessary for all business who accept credit cards online. If you need help getting started, SiteLock is available 24/7/365 to help. Give our security experts a call at 855.378.6200 to help.

 

10 Business Cybersecurity Tips

CybersecurityBudget should never be a reason for ignoring security. Neither should worries that you’re technically challenged. Here is a list of ten things you can do to help defend against cyber risks.

  1. Look in the window. Most business owners look at their websites and security risks from the inside-out, and never see what it looks like from a hacker’s perspective. Even a cursory inspection, but even better a basic website scan, could easily help you spot vulnerabilities quickly.
  2. Understand what the risks are. After all, you can’t fix them if you don’t know what they are. A little light reading on common business and website risks could tell you all you need to know. Focus on technical and procedural risks – from exploits of unpatched vulnerabilities to common errors by employees.
  3. Focus on passwords, and especially to your FTP account. Passwords can be the keys to the kingdom, and even the biggest security breaches at the biggest businesses have been traced to the smallest password mistakes.
  4. If your business has a lot of sensitive information to protect, consider having your website developers use a dedicated computer to access the website. This can significantly reduce the risks of things like keyloggers, which can steal website passwords and give hackers access. By using a dedicated computer that’s not used for anything else, you eliminate the risk of downloading a keylogger or other malware through drive-by downloads, email attachments, or infected files.
  5. Create a list of your Top 10 security rules, that everyone has to follow, and make that everyone knows what those rules are. Ten is a good number. You could easily have a hundred but too many could cause more harm than good. Focus on the biggest risks and vulnerabilities and pursue them relentlessly.
  6. If you accept credit cards, make sure you’re PCI compliant. Achieving PCI compliance is not difficult or expensive, especially for smaller businesses. Not only is PCI a great security place to start, you don’t have an option. Failure could mean big fines and the inability to accept credit card payments.
  7. Don’t forget to get physical. Not all attacks or exploits have to be digital or virtual. Hackers can walk into an unprotected business or rummage through a dumpster. And many of the information-rich laptops and tablets stolen in burglaries end up in the hands of cybercrooks.
  8. Control who you give access to. That can range from access to buildings and rooms to access to computers, networks, and websites, to access to specific files and privileges. It’s not about people getting access to sensitive data, it’s about the wrong people getting access.
  9. Choose your web hosting provider carefully. There are thousands to choose from so pick yours thoughtfully and focus on what they say about security. If they don’t talk about it at all, that could be a warning sign. If they do mention security, present them with your list of top security worries and risks and see what their response is.
  10. Review your security regularly, with a comprehensive top-down review at least a couple of times annually. Nothing stands still, and new vulnerabilities are being discovered or created daily.

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PCI Compliance and Your Business

PCI Compliance Data has always been a currency for crooks but, now more than ever, personal data has become a hot commodity for everyone from petty identity thieves to major organized crime. And one of the easiest ways to get this kind of information is from websites just like yours.

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eCommerce Website Security

PCI Compliance – Embrace it, before it cashes you out

pci complianceAs a small businesses owner who accepts credit cards online, becoming PCI compliant is one of the most important decisions you can make.

There are millions of small business merchants in the U.S., and while every small business that accepts credit cards has to comply with Payment Card Industry Data Security Standard (PCI DSS), many businesses do not.

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