Choosing the Right PCI DSS Hosting Service

Started by Индиго2, Aug 28, 2022, 08:54 AM

Previous topic - Next topic

Индиго2Topic starter

PCI DSS hosting is a solution that enables companies dealing with Visa and MasterCard cardholder data to comply with the designated regulations provided by the PCI DSS standard. This service allows businesses to transfer a portion of their responsibility for ensuring compliance to the provider, thus simplifying the entire process of certification.



To maintain the security of cardholder information, the service provider uses a variety of methods. The requirements under the 12 PCI DSS categories are shared between the client and the provider according to the agreement made between them, but most often, the operator assumes the responsibility for securing the network and data, as well as controlling physical access to personal information.

The provider establishes a secure network using PCI DSS-based security tools such as firewall, WAF, and monitoring solutions. Multiple failed login attempts result in IP addresses being blocked, and FTP/SSH connections are restricted. The antivirus software, two-factor authentication, traffic encryption, and backup provisions further protect cardholder data. Additionally, physical protection of the equipment is ensured either by the provider or by the data center's employees.

There are three popular options for PCI DSS hosting: co-location, IaaS Basic, and IaaS Advanced. In colocation, the hardware is placed in the provider's data center with assurances of video surveillance, identification control for employees, and secure racks. In IaaS Basic, the provider restricts physical access to data while the client stores cardholder data and protects against malware and app security. Finally, IaaS Advanced involves the provider taking on nearly all of the PCI DSS requirements, including infrastructure network setup, leaving the client responsible only for developing secure applications.

Providers of the IaaS Advanced service must fulfill several requirements, including the presence of 2FA and a firewall. Prohibiting everything not allowed with the IPS/IDS-enabled Palo Alto solution, the provider can monitor and respond quickly to network threats.

Besides the critical requirements of 2FA and firewall, the PCI DSS hosting provider should also have a File Integrity Monitor system to check the file integrity of Linux and Windows operating systems. Daily backups of VMs are also created for safekeeping in case of a system failure.

For large organizations such as banks and retail chains, complying with PCI DSS requirements can be challenging. Therefore, IaaS Basic or Advanced hosting is more suitable for them. On the other hand, co-location services may suffice for other companies handling payment card data.

Our survey revealed that cloud vendors' services are popular among companies dealing with electronic payments, with 76% of respondents using these services. While co-location remains the most frequent choice (44%), IaaS Basic and IaaS Advanced services are gaining traction, with 32% and 22% of respondents selecting them, respectively.

As businesses continue to face the challenge of adhering to PCI DSS standards, we foresee more organizations transferring more of their responsibility for compliance to providers over time.
  •  

Slip

Authentication with OTP Server and Risks of PCI DSS Violation

Managing an OTP server helps authenticate clients of individual organizations outside the cloud infrastructure. An authentication server generates one-time tokens for users to secure access to sensitive information.

Yes, the authentication method involves one-time passwords for added security. It efficiently verifies the user's identity during login attempts.

PCI DSS non-compliance can result in hefty fines, sanctions, legal implications, and loss of reputation for the bank. Therefore, it's crucial to adhere to the PCI DSS requirements and ensure that all sensitive data is kept secure from unauthorized access or breaches.
  •  

Olexandro

It's all great that the client writes only secure applications, but what about the authenticator? Also interested in whether it is ethical for the hoster to insist that clients apply security policies when renting a server?
  •  

parita handa

Do You Need It Even If Payment Data Is Not Processed?

You may still require PCI DSS certification, even if the payment data is not stored or processed by your online store. When you redirect the customer to the bank's website for payment, the risk of the website being compromised and the payment page being replaced cannot be ruled out.

Thus, your customers' payment data may be intercepted during transmission between the bank and the store. This situation can result in a breach of the customer's payment information and lead to legal consequences and reputational damage.

In conclusion, it's advisable to obtain PCI DSS certification, regardless of whether you process payment data directly or not. This certification will ensure that appropriate measures are taken to secure your customer's data and minimize the risk of potential breaches.
  •  

fitriulina

Choosing the right PCI DSS hosting service requires careful consideration of several factors. Here are some key points to keep in mind:

1. Compliance Expertise: Ensure that the hosting service provider has expertise in implementing and maintaining PCI DSS compliance. They should have a deep understanding of the requirements and be able to guide you through the process.

2. Security Measures: Evaluate the security measures implemented by the provider. This includes firewalls, intrusion detection and prevention systems, encryption protocols, two-factor authentication, and monitoring solutions. Look for providers that offer comprehensive security features to protect cardholder data.

3. Physical Security: If physical access to the data center is required, assess the provider's physical security measures. This includes video surveillance, access control for employees, secure racks, and other physical safeguards to prevent unauthorized access.

4. Network Security: The provider should have robust network security measures in place, including secure network infrastructure, regular vulnerability assessments, and timely patch management. They should also have incident response and disaster recovery plans to address any security breaches or system failures.

5. Scalability and Flexibility: Consider your organization's growth plans and ensure that the hosting service can accommodate future needs. Assess whether the provider offers scalability options and the ability to adapt to changing business requirements.

6. Support and SLAs: Check the level of support provided by the hosting service, including response times, availability, and customer service. Look for clear Service Level Agreements (SLAs) that define the provider's responsibilities and commitments.

7. Cost-Effectiveness: Evaluate the cost of the hosting service and compare it with the value it provides. Consider not only the upfront costs but also any additional fees or charges for specific services or support.

8. Reputation and References: Research the provider's reputation in the industry and seek references from existing clients. Look for providers with a track record of success and positive customer feedback.

9. Regulatory Compliance: In addition to PCI DSS compliance, assess whether the hosting service can meet any other regulatory requirements specific to your industry or region.

10. Data Backup and Recovery: Verify that the hosting service includes robust backup and recovery processes to ensure the availability and integrity of cardholder data.

11. Audit and Reporting: Ensure that the hosting service provides adequate audit trail capabilities and reporting tools for monitoring and documenting compliance. This includes log management, event logging, and reporting on security incidents.

12. Data Segregation: If you have multiple clients or business units, consider whether the hosting service can adequately segregate data to ensure each client's data is kept separate and secure.

13. Incident Response: Evaluate the provider's incident response capabilities, including their ability to detect, respond to, and recover from security incidents. Look for a service that has a well-defined incident response plan and can demonstrate their ability to handle potential breaches effectively.

14. Vendor Management: If the hosting service relies on third-party vendors or subcontractors, ensure that the provider has appropriate vendor management processes in place to assess and manage the security risks associated with these relationships.

15. Service Level Agreements (SLAs): Review the SLAs provided by the hosting service carefully. Pay attention to the uptime guarantees, response times for incident resolution, and any penalties outlined in the agreement.

16. Data Retention and Disposal: Understand the hosting service's policies and procedures regarding data retention and disposal. Ensure that they comply with the relevant regulatory requirements and properly dispose of any cardholder data when it is no longer needed.

17. Geographic Location: If your organization operates in multiple regions, consider where the hosting service's data centers are located. Ensure that they comply with local data protection and privacy regulations.

18. Training and Awareness: Assess whether the hosting service provider offers training and awareness programs for their staff to ensure they are knowledgeable about PCI DSS requirements and best practices in maintaining compliance.

19. Business Continuity Planning: Verify that the hosting service has robust business continuity and disaster recovery plans in place to ensure the availability and integrity of systems and data in case of an unexpected event.

20. References and Reviews: Seek references from other organizations that have used the hosting service to get insights into their experience and satisfaction. Additionally, read online reviews and seek opinions from industry experts to gather further information about the provider's reputation.

21. Scalability and Performance: Assess whether the hosting service can handle the scalability and performance requirements of your business. Consider factors such as server capacity, network bandwidth, and the ability to handle peak traffic volumes.

22. Customization and Flexibility: Determine whether the hosting service can accommodate any specific customization or unique requirements your organization may have. Some businesses may require tailored solutions to meet their specific needs.

23. Service Monitoring and Reporting: Look for a hosting service that provides proactive monitoring and regular reporting on the performance, availability, and security of their services. This will help you stay informed about the status of your systems and ensure compliance.

24. SLA Compliance Monitoring: Verify that the hosting service has mechanisms in place to monitor and enforce compliance with the agreed-upon SLAs. This ensures that they are accountable for meeting their commitments.

25. Disaster Recovery and Business Continuity: Evaluate the hosting service's disaster recovery and business continuity plans. Consider factors such as backup procedures, redundancy measures, and the ability to quickly recover systems and data in case of a disruption.

26. Technical Support: Assess the quality and accessibility of technical support provided by the hosting service. Check if they offer 24/7 support, multiple contact channels, and knowledgeable staff who can promptly address any issues that may arise.

27. Data Center Certifications: Look for hosting service providers that have relevant certifications for their data centers, such as ISO 27001 or SSAE 18 SOC 2. These certifications demonstrate that the provider meets stringent security standards.

28. Vendor Lock-In: Evaluate whether the hosting service allows for easy migration or switching to another provider, should the need arise. Ensure that you have the flexibility to make changes without experiencing significant disruptions to your business.

29. Compliance Audits and Assessments: Inquire about the hosting service provider's own compliance audits and assessments. Understand how frequently they conduct internal audits and assessments to ensure ongoing compliance within their organization.

30. Long-Term Partnership: Consider the hosting service provider as a long-term partner for your business. Assess their stability, reputation, and commitment to ongoing security enhancements and compliance updates.
  •