Merchants & PCI DSS Obse b r se vat va io i n o s n f s rom o a a P a P ym a en e t n Gat a ew e a w y a pe p r e spe sp ct e ive i
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- Kathleen Morrison
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1 Merchants & PCI DSS Observations from a Payment Gateway perspective
2
3 It has the words DON'T PANIC inscribed in large friendly letters on its cover
4 Who are you?? 17 years in the Irish & European Acquiring business
5 Who are you?? 17 years in the Irish & European Acquiring business From the merchant perspective...
6 Who are you?? 17 years in the Irish & European Acquiring business From the merchant perspective... And from the Acquirer perspective...
7 Who are you?? 17 years in the Irish & European Acquiring business From the merchant perspective... And from the Acquirer perspective... And back to the merchant perspective...
8 Who are you?? 17 years in the Irish & European Acquiring business From the merchant perspective... And from the Acquirer perspective... And back to the merchant perspective... Have achieved PCI DSS Level 1 certification as a Payment Gateway 2007,
9 Who are you?? 17 years in the Irish & European Acquiring business From the merchant perspective... And from the Acquirer perspective... And back to the merchant perspective... Have achieved PCI DSS Level 1 certification as a Payment Gateway 2007, 2008,
10 Who are you?? 17 years in the Irish & European Acquiring business From the merchant perspective... And from the Acquirer perspective... And back to the merchant perspective... Have achieved PCI DSS Level 1 certification as a Payment Gateway 2007, 2008, 2009,
11 Who are you?? 17 years in the Irish & European Acquiring business From the merchant perspective... And from the Acquirer perspective... And back to the merchant perspective... Have achieved PCI DSS Level 1 certification as a Payment Gateway 2007, 2008, 2009, 2010
12 Who are you?? 17 years in the Irish & European Acquiring business From the merchant perspective... And from the Acquirer perspective... And back to the merchant perspective... Have achieved PCI DSS Level 1 certification as a Payment Gateway 2007, 2008, 2009, 2010 What have I learned about PCI DSS?
13 Who are you?? 17 years in the Irish & European Acquiring business From the merchant perspective... And from the Acquirer perspective... And back to the merchant perspective... Have achieved PCI DSS Level 1 certification as a Payment Gateway 2007, 2008, 2009, 2010 What have I learned about PCI DSS? You don t want to have to do a PCI DSS Level 1 certification annually!
14 Why PCI DSS? a brief history of card (in)security Zip zap machines Chinese restaurant dumpster hack
15 Why PCI DSS? a brief history of card (in)security Zip zap machines Chinese restaurant dumpster hack POS terminals totally unencrypted broadcast over a public network very low return to effort for hacking
16 Why PCI DSS? a brief history of card (in)security Zip zap machines Chinese restaurant dumpster hack POS terminals totally unencrypted broadcast over a public network very low return to effort for hacking Integrated ipos Integrated ipos normally unencrypted large volumes of card data mainly Security through obscurity
17 Why PCI DSS? a brief history of card (in)security Zip zap machines Chinese restaurant dumpster hack POS terminals totally unencrypted broadcast over a public network very low return to effort for hacking Integrated ipos normally unencrypted large volumes of card data mainly Security through obscurity And then everything changed...
18 Why PCI DSS? a brief history of card (in)security Zip zap machines Chinese restaurant dumpster hack POS terminals totally unencrypted broadcast over a public network very low return to effort for hacking Integrated ipos normally unencrypted large volumes of card data mainly Security through obscurity And then everything changed... but it s not just ecommerce that is impacted
19 How vulnerable am I? The emergence of Social Networking is a major phenomenon
20 How vulnerable am I? The emergence of Social Networking is a major phenomenon Fraudsters have their own Social Networks proper business, with suppliers & consumers what is the going the going rate for valid UK card number with CVV?
21 How vulnerable am I? The emergence of Social Networking is a major phenomenon Fraudsters have their own Social Networks proper business, with suppliers & consumers what is the going the going rate for valid UK card number with CVV? It is not teenage hackers having some fun
22 How vulnerable am I? The emergence of Social Networking is a major phenomenon Fraudsters have their own Social Networks proper business, with suppliers & consumers what is the going the going rate for valid UK card number with CVV? It is not teenage hackers having some fun It is ORGANISED crime
23 How vulnerable am I? The emergence of Social Networking is a major phenomenon Fraudsters have their own Social Networks proper business, with suppliers & consumers what is the going the going rate for valid UK card number with CVV? It is not teenage hackers having some fun It is ORGANISED crime Merchants need to be organised too, to avoid becoming vulnerable Have you been targeted yet?
24 How vulnerable am I? The emergence of Social Networking is a major phenomenon Fraudsters have their own Social Networks proper business, with suppliers & consumers what is the going the going rate for valid UK card number with CVV? It is not teenage hackers having some fun It is ORGANISED crime Merchants need to be organised too, to avoid becoming vulnerable Have you been targeted yet? YES!
25 How real is the threat? Biggest Merchant data breach: Number of cards compromised: 46,000,000+ Fines to date: $41M (Visa) Total Cost: $100M+
26 How real is the threat? Biggest Merchant data breach: Number of cards compromised: 46,000,000+ Fines to date: $41M (Visa) Total Cost: $100M+ Biggest Processor Data Breach: Number of cards compromised: 100,000,000+ Fines to date: $100M and counting...
27 Remember...
28 Common initial questions about PCI DSS? Can I just ignore it? It is already mandatory You are already exposed to potential fines
29 Common initial questions about PCI DSS? Can I just ignore it? It is already mandatory You are already exposed to potential fines Is it here to stay? Like Chip & PIN, the industry is going to make this work Like Chip & PIN, a lot of merchant disruption & cost
30 Common initial questions about PCI DSS? Can I just ignore it? It is already mandatory You are already exposed to potential fines Is it here to stay? Like Chip & PIN, the industry is going to make this work Like Chip & PIN, a lot of merchant disruption & cost It s got to be done, it s not going to go away, so need to accept we re going to have to live with it
31 Specific sectors can have specific issues: Some sectors have historical procedural issues that cause problems
32 Specific sectors can have specific issues: Some sectors have historical procedural issues that cause problems Sorry, hotel sector
33 Specific sectors can have specific issues: Some sectors have historical procedural issues that cause problems Sorry, hotel sector Sorry, subscription payments
34 Specific sectors can have specific issues: Some sectors have historical procedural issues that cause problems Sorry, hotel sector Sorry, subscription payments Sorry, MOTO merchants
35 Specific sectors can have specific issues: Some sectors have historical procedural issues that cause problems Sorry, hotel sector Sorry, subscription payments Sorry, MOTO merchants Sorry,...
36 Specific sectors can have specific issues: Some sectors have historical procedural issues that cause problems Sorry, hotel sector Sorry, subscription payments Sorry, MOTO merchants Sorry,... Will just have to accept that these processes cannot go on, and adapt there are PCI solutions available today to address all of these situations virtual terminals, tokenisations solutions, recurring payment solutions...
37 Are you a multi channel merchant? Multi channel merchant means multiple channels that need to be secured Only as strong as the weakest link look at TK Maxx U.K. Channel Mix (F2F = Card-Present; Multi-Channel = F2F & Online; Online = ecommerce only) Small Merchants (< 500k Mil. Card Turnover) Medium-Sized Merchants (< 500k- 5MM Card Turnover) F2F 350,000 82% Middle-Market Merchants ( 5-100MM Card Turnover) F2F 3,500 64% Multi- Channel 58,000 13% Online Only 20,000 5% Multi- Channel 1,600 29% Online Only 400 7% F2F 27,000 74% Large Corporate Merchants (>100MM Card Turnover) F2F % Multi- Channel 7,200 20% Online Only 2,400 6% Multi- Channel % Online Only 33 8%
38 Who gets the free pass? Some merchants will have very little to do
39 Who gets the free pass? Some merchants will have very little to do If you have Acquirer-owned, stand-alone POS devices, lucky you
40 Who gets the free pass? Some merchants will have very little to do If you have Acquirer-owned, stand-alone POS devices, lucky you (though you still have to complete the SAQ self assessment questionnaire)
41 Who gets the free pass? Some merchants will have very little to do If you have Acquirer-owned, stand-alone POS devices, lucky you (though you still have to complete the SAQ self assessment questionnaire) (and are there any other channels or procedures that need to be reviewed?)
42 Who gets the free pass? Some merchants will have very little to do If you have Acquirer-owned, stand-alone POS devices, lucky you (though you still have to complete the SAQ self assessment questionnaire) (and are there any other channels or procedures that need to be reviewed?) For the rest, time to roll up the sleeves.
43 Quick, what should I do? Looking for one of these?
44 Quick, what should I do? Looking for one of these? Unfortunately, as in life, no one size fits all
45 Quick, what should I do? Looking for one of these? Unfortunately, as in life, no one size fits all If in doubt, get some expert advice
46 Quick, what should I do? Looking for one of these? Unfortunately, as in life, no one size fits all If in doubt, get some expert advice Do not treat PCI as a NCT for your payments
47 The cost issue The range of costs is enormous Put the costs of compliance to one side: Because it s mandatory it s nothing compared to the cost of a breach make sure you get a solution appropriate to your own requirements if in doubt, get some expert advice
48 Most common merchant feedback?
49 Most common merchant feedback?
50 Most common merchant feedback? In part, this is a communications failure by the Card Schemes
51 Most common merchant feedback? In part, this is a communications failure by the Card Schemes But also because it is complicated fraud is very sophisticated
52 Most common merchant feedback? In part, this is a communications failure by the Card Schemes But also because it is complicated fraud is very sophisticated Raise your hand if confident you are fully PCI compliant...
53 Most common merchant feedback? In part, this is a communications failure by the Card Schemes But also because it is complicated fraud is very sophisticated Raise your hand if confident you are fully PCI compliant... You should be, it s mandatory.
54 Need to change mindset Of course I need to have cardholder payment details for customer queries for customer support for chargeback management for reconciliation
55 Need to change mindset Of course I need to have cardholder payment details for customer queries for customer support for chargeback management for reconciliation Why do I need to have any visibility of cardholder payment details there are PCI compliant solutions available today for all processing requirements if you think you need to store card details, should probably re-examine your procedures
56 Final Points Remember: PCI DSS compliance does not GUARANTEE that your systems are secure
57 Final Points Remember: PCI DSS compliance does not GUARANTEE that your systems are secure They should be seen as the minimum standards required
58 Final Points Remember: PCI DSS compliance does not GUARANTEE that your systems are secure They should be seen as the minimum standards required Make sure you are not the weakest link in the (overall) chain
59 Final Points Remember: PCI DSS compliance does not GUARANTEE that your systems are secure They should be seen as the minimum standards required Make sure you are not the weakest link in the (overall) chain But make sure you are aware of all of your own internal links!
60 Remember...
61
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