1. Install and maintain a firewall configuration to protect cardholder data.
2. Do not use vendor-supplied defaults for system passwords and other security parameters.
Merchants that have acted to help prevent counterfeit fraud by investing in EMV chip technology or implemented a validated point-to-point encryption solution can benefit from Visa's Technology Innovation Program (TIP). This program rewards eligible merchants by eliminating the requirement to verify compliance with the PCI DSS when at least 75 percent of yearly transactions originate from dual-interface EMV chip-enabled terminals or a validated point-to-point encryption solution.
Visa Core Rules (VCR) governs the activities of client financial institutions and, by extension, merchants and service providers as participants in the Visa payment system.
A merchant's acquiring bank is responsible for ensuring the PCI Data Security Standard (DSS) compliance of the merchant and any service providers the merchant is using. As a merchant, you must maintain full compliance at all times. (VCR section ID #0002228 and #0008031).
If a merchant does not comply with the PCI DSS or fails to rectify a security issue, Visa may assess a non-compliance assessment to the merchant’s acquirer. The acquirer is responsible for paying all assessments and must not represent that Visa has imposed any assessment on the merchant. (VCR section ID #0001054) Assessments may be waived if there is no evidence of PCI DSS non-compliance prior to, and at the time of a data breach, as demonstrated during a forensic investigation.
Acquirers of compromised Level 3 and Level 4 merchants may be granted safe harbor from non-compliance assessments if the Level 3 or Level 4 merchant has implemented an approved security measure prior to the date of intrusion of the compromise event.
Please contact your acquirer for more details on the Secure Acceptance Incentive Program.
Service providers handle Visa cardholder information on your behalf. Your acquirer ensures service providers comply with the PCI DSS. Compliance validation is required for all service providers.
Merchants that acquire PIN transactions and/or perform key management services for themselves must comply with the Visa PIN Security requirements.
Use the links below to learn more about Visa’s Global PIN Security Program:
Find more information on protecting your business :
Cybercriminals Targeting Point of Sale Integrators (PDF)
5 Important Visa Rules That Every Merhcant Should Know (PDF)