Important Info for Youth Sports Associations

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1 Important Info for Youth Sports Associations What the Heck is PCI DSS and Why Should I Care? Joe Posey Terrapin Financial Services

2 Your Club is an ecommerce Business You accept online registration over the internet These online registrations are paid by credit card You may receive telephone calls from registrants that want to give you credit card information for you to process You may swipe credit cards at your administrative offices (probably someone s home)

3 You Are No Different Than Target or Neiman Marcus!!! Except you do not process payments for hundreds of millions of clients BUT - As a primary method collecting registration and player fees, selling t-shirts and collecting for tournaments, you are processing credit cards and processing them over the internet Just Like Target and Neiman Marcus - You are at risk

4 Data Security Risk is Significant and Therefore Requires Appropriate Control The threat of data compromise is global Many parties are involved in maintaining Data Security The impact of a data compromise is widespread financially, legally, and in goodwill exposure Data security is a primary risk concern for Members, Merchants, Service Providers, Consumers, and Regulators Data Security has evolved from an operational problem to a significant financial threat and even greater reputation risk

5 A recent survey of businesses in the US and Europe reveals risky behavior 81% store card numbers 73% store card expiration dates 57% store customer magnetic stripe data 16% store other customer personal data

6 Who Are the Participants in the Process? Registration Service Provider Registrant Merchant Processor Merchant Sponsorin g Bank Visa MC Disc Club Club s Bank

7 Who Are The Participants in the Process Registrant - Consumer, Cardholder Registration Service Provider - Third Party Service Provider GroupNet Solutions (for example) Merchant Processor - First Data, Global Processing, National Processing Company, TSYS Members - Banks that Sponsor Merchant Processors Merchants - Youth Sports Organizations

8 Who Are These Participants in the Process? Registration Service Provider Registrant Merchant Processor Merchant Sponsorin g Bank Visa MC Disc Club Club s Bank

9 PCI DSS Payment Card Industry Data Security Standards Standard That Applies to: Merchants Service Providers Systems (hardware, software) That: Stores Cardholder Data Transmits Cardholder Data Processes Cardholder Data Applies to: Electronic Transactions Paper Transactions

10 The PCI Framework is Divided into 12 Security Requirements Install and Maintain a firewall configuration to protect data Do not use vendor supplied defaults for system passwords and other security parameters Protect stored data Encrypt Transmission of cardholder data across public networks

11 The PCI Framework is Divided into 12 Security Requirements (Cont) Use and regularly update anti-virus software Develop and maintain secure systems and applications Restrict access to data by business-need-to-know Assign a unique ID to each person with computer access

12 The PCI Framework is Divided into 12 Security Requirements (Cont) Restrict physical access to cardholder data Track and monitor all access to network resources and cardholder data Routinly test security systems and processes Establish high level security principles and procedures

13 Compliance - Validation - Attestation Compliance - Means Adherence to the standard Applies to every merchant regardless of volume Validation - Verification that a merchant (including its Service Providers) is compliant with the standard Size of merchant will determine Self Assessment Certified by a Qualified Security Assessor Attestation - Letter to Card Associations signed by both merchant and Member Bank attesting that validation has been performed

14 Security Breach Fines Levied by the Card Associations (Visa, MC..) against the Merchant Bank which passes on to the Merchant Fines can reach up to $500,000 Amount of fine depends on number of cards stolen, Incident circumstances timeliness of reporting If PCI compliant - could reduce fines

15 Other Security Breach Costs Cost of notifying customers Forensic investigation which are required by card association (must be completed by an approved security vendor and cost $10.000) Cost of Lost business Impact on reputation Annual on-site audit ($10,000)

16 STOP!!!!!!! What does this mean to me? I am a volunteer helping my daughter s team collecting registration payments

17 Typical Club Payment Configuration Club has a web site hosted by a third party Uses a registration system linked to their web site through which they accept cards for payment Club has a merchant account that they either signed up for directly or through their registration company And has a bank account that the merchant account deposits into Club staff does not have access to full card data Nor does club store or transmit this data Club may take payments over the phone but this is an exception not the rule

18 Based on Typical Club configuration here is what you need to do Complete Self Assessment Questionnaire A Annually

19 SAQ A 14 questions regarding your processing environment (will hand out the questionnaire)

20 Third Party Service Providers PCI Compliance Requirements are Much More Strenuous There are 224 questions on their Self Assessment Questionnaire They have to have a quarterly scan of their system from an Authorized Security Vendor to test access and penetration of their system They have to register with the Card Associations and prove PCI Compliance annually Failure of the Third Party Service Provider (your registration provider) to register and/or comply puts your club at risk!

21 Your Registration Processor is The Single Most Important Element of Your PCI Compliance The Third Party Service Provider handling storage, processing and/or transmission of card holder data is confirmed to be PCI DSS compliant There is an established process for engaging Service Providers including proper due diligence prior to engagement A program is maintained to monitor Service Provider s PCI DSS compliance status You Can Visa at to verify your processor is properly registered and is PCI compliant

22 Other PCI Requirements If Club key enters payments into a system - need to complete SAQ C-VT If Club Swipes Cards through a Credit card Machine - need to Complete SAQ B Both have slightly more questions than SAQ A

23 SAQ Types SAQ A B C - VT C Description Card Not Present (ecommerce or Mail/Telephone order merchants) all cardholder data functions outsourced Imprint only merchants with no electronic cardholder data storage or, stand alone dial out terminal merchants with no electronic data storage Merchants using only web based virtual terminals no electronic cardholder data storage Merchants with payment application systems connected to the internet no electronic cardholder data storage D All other merchants not described above and all service providers

24 Bottom Line Protect Your Club Complete your PCI Self Assessment Questionnaire (SAQ) Know the status of your Service Providers Security as Validated and Attested Have a process in place to document and monitor their PCI Compliance Act if not satisfied Protect your members/clients card Information Ensure ongoing operations of your Registration provider (and your program) Validates the financial and operational strength or your Registration provider

25 DON T BE A TARGET! THANK YOU JOE POSEY TERRAPIN FINANCIAL SERVICES

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