In our last blog, we explored the evolution of payment security and the importance of protecting your entire digital ecosystem. Today, we’re zooming in on the practical steps you need to take as a merchant to ensure you’re aligned with PCI DSS v4.0, the latest iteration of the payment security standard. Spoiler alert: it’s not just about checking boxes; it’s about future-proofing your business against evolving cyber threats.
How to Prepare for PCI DSS v4.0
- Know Your SAQ Forms:First things first—compliance starts with understanding which Self-Assessment Questionnaire (SAQ) applies to your payment setup. The form you fill out depends on how you process payments:
- SAQ A-EP Form: For merchants who receive card data directly on their website and pass it to a third party through server-to-server integration.
- SAQ-A Form: For merchants using a hosted or embedded checkout (like a redirect or iFrame).
- Secure Your Web Environment:
Running an eCommerce site means hackers are always knocking at your door. So, how do you keep them out? Start with the basics:- Implement a web application firewall and follow secure coding practices.
- Perform regular vulnerability scans and apply security patches to your website.
- Keep Software Updated:
You know that annoying little pop-up reminding you to update your software? Yeah, it’s not just a nuisance—it’s a lifeline. Ensure that your eCommerce platform and CMS are always up-to-date, and don’t neglect those plugins and themes. They’re often the weakest link in your security chain.- Ensure your ecommerce platform and content management system (CMS) are always up-to-date.
- Keep all plugins and themes patched with the latest security updates.
- Monitor for Vulnerabilities:
The bad guys are getting smarter, which means you need to stay two steps ahead. Set up automated scanning tools to keep an eye out for vulnerabilities 24/7. It’s not enough to just check in periodically—you need to know about issues the moment they arise.- Use automated scanning tools to regularly check for weaknesses on your website.
- Act quickly to patch any vulnerabilities that could expose sensitive payment data.
- Review Your Third-Party Providers:
Your payment security isn’t just about what’s happening on your website. If your third-party partners aren’t PCI DSS compliant, their vulnerabilities can become your vulnerabilities. Do your homework, and confirm that they’re meeting the standards, too.- Confirm that all your payment-related partners are also PCI DSS compliant. Any gaps in their security could impact yours.
How Peach Payments Supports Your Compliance Journey
Luckily, you don’t have to navigate PCI DSS v4.0 compliance alone. Peach Payments takes much of the heavy lifting off your shoulders.
- PCI DSS Level 1 Certified:Â Our platform is PCI DSS Level 1 compliant, which means we meet the highest standards of payment security, reducing the scope of your compliance efforts.
- Iframe Integration:Â Our iframe solution keeps sensitive cardholder data off your servers, significantly reducing your PCI DSS scope and making the SAQ A-EP process easier for you.
- Security Scanning & Vulnerability Management:Â We perform regular security scans and vulnerability assessments of our systems.
- Compliance Support: Our dedicated team provides resources, documentation, and guidance to help you navigate PCI DSS v4.0. We’re with you every step of the way, ensuring you meet your obligations and protect your customers.
Securing just the payment form isn’t enough anymore. With the rise of e-skimming and other cyber threats, PCI DSS v4.0 requires merchants to secure their entire digital environment. At Peach Payments, we take the hard work out of compliance, ensuring your systems are secure while guiding you through the necessary steps to meet the new requirements.
March 2025 is the deadline for full compliance, so now’s the time to act and lock every door and window of your digital house. We’ll be sharing more insights in the coming months on how Peach Payments helps merchants comply with the new future-dated requirements.
For more details on PCI DSS v4.0, visit the PCI Security Standards website
To learn more about how we protect merchants today, check out our Security at Scale page.<\/p>
