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Payment Card Industry Data Security Standard (PCIDSS) Attestation and Certification Services | A Credit Card Data Security System | Leader in PCI DSS Compliance

PCI DSS (Payment Card Industry Data Security Standard) compliance is a mandatory requirement for any organization that handles credit or debit card transactions. It is designed to protect sensitive cardholder data and ensure secure payment environments across all industries.

PCI Council Accreditation for Services

Global Accreditations That Inspire Trust: Cianaa’s Registered Services

Cianaa is officially authorized for PCI DSS (Payment Card Industry Data Security Standard) and 3D Secure (3DS) compliance—ensuring your business meets the highest standards in payment security, fraud prevention, and data protection.
You are welcome to verify from PCI Council Website.

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Qualified Security Assessor Company (QSAC)

Cianaa is a certified QSAC accredited by the PCI Security Standards Council. 

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Qualified Security Assessor (QSA)

Cianaa Technologies has been a trusted PCI DSS QSA accredited organization since 2014, delivering over a decade of proven expertise in payment security and compliance in New Zealand, Australia and Worldwide.

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Qualified PCI 3DS Assessor

Cianaa Technologies is a globally recognized PCI 3DS Assessor, helping organizations implement and secure EMV® 3-D Secure technologies such as Access Control Server (ACS), Directory Server (DS), and 3DS Server (3DSS)

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Expert PCI DSS Solutions Tailored For You

QSAs Certified
A professional cybersecurity auditor reviewing compliance documents and network diagrams, representing a PCI QSA conducting a PCI DSS assessment for a business
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Client Testimonials

"Cianaa helped us achieve PCI DSS compliance in record time. They identified our gaps quickly and guided us through remediation so effectively that we passed our audit on the first attempt. I’ve never experienced such a smooth, stress-free compliance process.”
Chief Technology Officer
“As a CFO, I care about the bottom line. Partnering with Cianaa saved us 30% in compliance costs by streamlining our processes. They delivered more than just compliance – they gave us peace of mind and tangible ROI. Worth every penny.”
Chief Financial Officer
“We had to transition to PCI DSS v4.0, and we were nervous about the new requirements. Cianaa’s experts walked us through every change. Thanks to their guidance, we upgraded our compliance seamlessly with zero downtime. Truly a lifesaver for our IT team.”
Chief Information Security Officer
Payment Card Industry

What is PCI DSS Compliance?

The Payment Card Industry Data Security Standard (PCI DSS) was established in 2004 by major credit card companies: Visa, MasterCard, American Express, Discover, and JCB. The aim was to combat rising threats of payment card fraud and data breaches. Managed by the PCI Security Standards Council, PCI DSS provides a unified framework of security requirements for organizations that store, process, or transmit cardholder data.  Today, PCI DSS compliance is a global benchmark for data protection and a critical component of trust in digital transaction.

PCI DSS (Payment Card Industry Data Security Standard) compliance refers to a set of security requirements designed to protect cardholder data during storage, processing, and transmission. It applies to any organization that handles credit or debit card transactions, including merchants, service providers, and financial institutions.

PCI DSS Core Requirements

The 12 PCI DSS Core Requirements

PCI DSS version 4.0.1 organizes its 12 security requirements into six high‑level control objectives. Using these objectives improves readability for customers and aligns technical, operational, and governance efforts across the cardholder data environment (CDE).

1) Build and Maintain a Secure Network and Systems

Establish robust network security controls and enforce secure configurations to segment and harden the CDE—blocking untrusted traffic and reducing attack surface.

Maps to Requirements: 1–2

2) Protect Account Data

Safeguard stored account data with encryption or keyed hashing, and protect data in transit with strong cryptography; limit retention and restrict display/copy of PAN.

Maps to Requirements: 3–4

3) Maintain a Vulnerability Management Program

Prevent, detect, and remediate threats via anti‑malware and anti‑phishing, secure development, timely patching, and protections for public web apps.

Maps to Requirements: 5–6

4) Implement Strong Access Control Measures

Enforce least‑privilege, require MFA for in‑scope access, and restrict physical access to systems and media that store or process CHD.

Maps to Requirements: 7–9

5) Regularly Monitor and Test Networks

Centralize and automate log monitoring, perform vulnerability scans & penetration tests, and deploy tamper/change detection for payment pages.

Maps to Requirements: 10–11

6) Maintain an Information Security Policy

Sustain a living security policy & governance program—training, third‑party oversight, risk assessments, and incident response—to ensure continuous compliance.

Maps to Requirements: 12

The Essential Four Benefits of PCI DSS

Protect Cardholder Data

PCI DSS is framework of security controls that helping businesses safeguard cardholder information from unauthorized access, data breaches, and cyberattacks.

Meet Legal and Regulatory Obligations

Non-compliance can lead to fines, legal consequences, and loss of payment privileges.

Prevent Financial Loss and Reputation Damage

PCI DSS compliance helps reduce these risks by enforcing best practices in data security.

Build Trust and Growth

By achieving PCI DSS compliance means a signal of powerful trust and business growth in global market.

Significant Cost Savings with Integrated Audit of PCIDSS, ISO27001 and SOC 2

Integrate PCI DSS, ISO 27001 and SOC 2

Maximize Cost Savings and Efficiency with the power of multi-auditing using Integrated Approach

Cianaa implements a multi-audit strategy that can dramatically lower costs for customers by streamlining resources and eliminating redundant processes. By consolidating multiple audits into a single, integrated effort, organizations can:

  • Eliminate duplicate tasks and reduce excessive audit fees
  • Minimize on-site auditor time
  • Cut down on administrative expenses
  • Boosts operational efficiency by leveraging shared data and insights across various audit types.
  • issues are identified and resolved more quickly, providing a comprehensive view of business operations.
  • Ultimately, this approach delivers significant cost savings, enhanced value, and a more holistic perspective for customers.
Read Our Blog to Save Money

SAQ Guidance

Choose the Right Self-Assessment Questionnaire for Your Business. Not sure which SAQ applies to your business? Contact our PCI DSS experts for a free consultation.
What is an SAQ?

The Self-Assessment Questionnaire (SAQ) is a tool designed to help merchants assess their compliance with PCI DSS standards. It’s important to understand which type of SAQ fits your business model and transaction method. Each type caters to different categories of merchants based on how they handle payment transactions.

All level 2 (less then 6 million transactions per year) and below Merchants are required to fill SAQ. Service Provider level 2 are required to fill SAQ.When determining the appropriate SAQ, consider factors such as the volume of transactions, the methods of payment, and how you store customer data. Understanding these elements will guide you in choosing the correct SAQ that ensures you’re compliant without unnecessary stress.

 

  • SAQ A – For card-not-present merchants (e-commerce or mail/telephone order) that fully outsource all cardholder data handling to PCI DSS–validated third parties.
  • SAQ A-EP – For e-commerce merchants that outsource payment processing but whose website can impact the security of the payment page.
  • SAQ B – For merchants using only imprint machines or standalone dial-out terminals (no IP connectivity).
  • SAQ B-IP – For merchants using only standalone PTS-approved payment terminals with an IP connection.
  • SAQ C – For merchants with payment application systems connected to the internet (no electronic storage of cardholder data).
  • SAQ C-VT – For merchants using web-based virtual terminals on a dedicated device.
  • SAQ P2PE – For merchants using only PCI-listed Point-to-Point Encryption (P2PE) solutions.
  • SAQ D (Merchants) – For merchants that do not fit any other SAQ type or that store cardholder data electronically.
  • SAQ D (Service Providers) – For service providers eligible to complete an SAQ (handles cardholder data on behalf of clients).

Choosing the wrong SAQ can invalidate compliance. Always confirm eligibility with your acquirer or Cianaa  QSA.Quick rule of thumb: If you electronically store cardholder data or your setup doesn’t meet another SAQ’s strict eligibility criteria, you will default to SAQ D (Merchant or Service Provider).

The goal of completing your SAQ is to keep your payment processes secure. By understanding the different types of SAQs and their requirements, you can effectively protect your customers’ information and maintain trust in your business.

What is an SAQ type?

An SAQ type refers to the specific version of the Self-Assessment Questionnaire that a merchant or service provider must complete to validate their PCI DSS compliance.

Each SAQ type is designed for a different business scenario, based on:

  • How you accept payments (e-commerce, card-present, mail/telephone order).
  • Whether you store, process, or transmit cardholder data.
  • Your technology setup (e.g., standalone terminals, virtual terminals, P2PE solutions).

For example:

  • SAQ A → For merchants that fully outsource all cardholder data handling.
  • SAQ D → For merchants or service providers with complex environments or that store cardholder data.
  • SAQ A
    Choose this if:
    • You are an e-commerce or mail/telephone order merchant.
    • All cardholder data functions are fully outsourced to PCI DSS–validated third parties.
    • Your systems do not store, process, or transmit cardholder data.
  • SAQ A-EP
    Choose this if:
    • You are an e-commerce merchant.
    • You outsource payment processing, but your website can impact the security of the payment page(e.g., hosting scripts).
  • SAQ B
    Choose this if:
    • You use only imprint machines or standalone dial-out terminals (no IP connectivity).
    • You do not store cardholder data electronically.
  • SAQ B-IP
    Choose this if:
    • You use only standalone PTS-approved payment terminals with an IP connection.
    • You do not store cardholder data electronically.
  • SAQ C
    Choose this if:
    • You have a payment application system connected to the internet.
    • You do not store cardholder data electronically.
  • SAQ C-VT
    Choose this if:
    • You use a web-based virtual terminal on a dedicated device.
    • You do not store cardholder data electronically.
  • SAQ P2PE
    Choose this if:
    • You use only a PCI-listed Point-to-Point Encryption (P2PE) solution for all card-present transactions.
  • SAQ D (Merchants)
    Choose this if:
    • You do not qualify for any other SAQ type.
    • You store cardholder data electronically or have a complex environment.
  • SAQ D (Service Providers)
    Choose this if:
    • You are a service provider eligible to complete an SAQ.
    • You store, process, or transmit cardholder data on behalf of clients.

Taking the time to identify the right SAQ can alleviate a lot of hassle down the line. Make your decision with care and be proactive in your approach to compliance.

  • Annually – Every merchant or service provider using an SAQ must complete it at least once per year as part of their PCI DSS validation process.
  • After Significant Changes – If there are major changes to your payment environment, such as:
    • Adding or changing payment channels (e.g., new e-commerce platform).
    • Switching to a different payment processor or service provider.
    • Implementing new technologies or systems that handle cardholder data.
  • When PCI DSS Requirements Change – For example, with the transition from PCI DSS 3.2.1 to 4.0, SAQs were updated to include new requirements like:
    • Client-side security controls (e.g., script management).
    • Multi-factor authentication (MFA) for all access to the CDE.
    • Policies for data retention and vulnerability management.
  • Before Compliance Deadlines – Future-dated requirements (e.g., those effective after March 31, 2025) must be implemented and reflected in your SAQ by the deadline.
  • When Eligibility Changes – If your business model changes (e.g., from fully outsourced to hosting scripts), you may need to move from SAQ A to SAQ A-EP or another type

.

  • New Payment Channels
    If you add e-commerce, mobile payments, or card-present terminals, your SAQ type may change (e.g., from SAQ A to SAQ A-EP or SAQ C).

  • Switching Service Providers
    If you move to a new payment processor or gateway, you must review your SAQ to ensure the new setup still meets eligibility criteria.

  • Storing Cardholder Data
    If you start storing cardholder data electronically, you will default to SAQ D (Merchant), the most comprehensive questionnaire.

  • Outsourcing or Insourcing
    If you previously outsourced all payment processing (SAQ A) but now host scripts or handle transactions internally, you may need SAQ A-EP or SAQ C.

  • Technology Changes
    Implementing new POS systems, cloud environments, or custom payment pages can expand your PCI DSS scope and require a different SAQ

Frequently Asked Questions

Top 10 Most Wanted Questions About PCI DSS 4.0 Compliance

Discover the top 10 FAQs about PCI DSS 4.0 compliance, including key changes, deadlines, and requirements to keep your business secure and compliant.

1. What is PCI DSS 4.0 and why was it introduced?

PCI DSS 4.0 is the latest version of the Payment Card Industry Data Security Standard, designed to enhance security for cardholder data and address emerging threats. It introduces flexibility, stronger authentication, and continuous security practices.

Key changes include:

  • Stronger multi-factor authentication (MFA) for all access to the CDE (8.4.).
  • Customized Approach option for meeting security objectives.
  • New client-side security requirements (e.g., 6.4.3 and 11.6.1).
  • Scope evaluation by Merchant or service provider before the assessment under 12.5..

Yes. PCI DSS applies to all payment cards, including debit, prepaid, and gift cards, if these contain sensitive cardholder data.

Yes. Even if you use a third-party processor, you must validate compliance and ensure your vendors are PCI DSS compliant.

  • Merchants entities: At least annually.
  • Service providers: Every 6 months or after significant changes.
  • 6.4.3: Maintain an inventory of all scripts on payment pages.
  • 11.6.1: Detect and prevent unauthorized script changes in real time

Bank or Acquirer is responsible for Merchant compliance. In fact, they determine the level of the merchant including which SAQ to fill in case they are level 2 or below.

Non-compliance can lead to:

  • Fines of $5,000–$100,000 per month.
  • Increased risk of data breaches and legal liabilities.

No. PCI DSS does not prescribe a specific framework but requires organizations to identify, evaluate, and manage risks to the Cardholder Data Environment (CDE). Cianaa suggests ISO 31000:2018, NIST Risk Assessment Framework or ISO 27005.

No, network segmentation is not a mandatory requirement under PCI DSS 4.0, but it is strongly recommended.

Here’s why:

  • Without segmentation, your entire network that connects to or can impact the Cardholder Data Environment (CDE) falls under PCI DSS scope, meaning every system must meet all PCI DSS requirements.
  • With segmentation, you can isolate the CDE from other systems, which:
    • Reduces PCI DSS scope (fewer systems to secure and audit).
    • Improves security by limiting lateral movement if an attacker breaches another part of the network.
  • PCI DSS 4.0 requires that if segmentation is used, it must be tested:
    • Merchants: At least annually and after any significant changes.
    • Service providers: Every six months or after significant changes

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