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Understanding PCI DSS Scope and Compliance Beyond Direct Data Handling

PCI DSS

In the realm of data security and compliance, one term that frequently arises is "scope." It's a pivotal concept, particularly within the context of the Payment Card Industry Data Security Standard (PCI DSS). In this video, Senior Manager Sully Perella discusses what's in scope for PCI DSS compliance and how your organization may have compliance implications even if you don't directly handle cardholder data.

What is In Scope for PCI DSS?

In PCI DSS compliance, your scope essentially refers to the extent of systems, processes, and people within an organization that are involved in the storage, processing, or transmission of cardholder data, or that could impact the security of that data.

That being said, what if you're running an e-commerce website, but you're not involved in processing or storing credit card information? You might wonder, "What's my scope in PCI DSS compliance?"

Examples of PCI DSS Scope Beyond Direct Data Handling

We often get that question, and, as we mentioned, required PCI DSS compliance extends beyond entities directly handling payment information and to any component that could affect the security of cardholder data.

There are several scenarios where organizations might not directly handle cardholder data but still fall within the purview of PCI DSS compliance, including:

  1. Third-party Service Providers: An organization that integrates payment processing scripts into its website via iframes or redirects may not store or process cardholder data itself. However, these scripts require protection, placing the organization within the scope of PCI DSS, typically covered by Self-Assessment Questionnaire A (SAQ A).

  2. Software Development: A software development firm contracted to build bespoke solutions for another company might not directly handle cardholder data. Yet, if their software interacts with systems that do, they must ensure their products meet PCI DSS compliance standards.

  3. Managed Security Service Providers (MSSPs): MSSPs offering services like vulnerability scanning or patch management might not store cardholder data, but if they access environments housing such data, their activities can impact its security, thusly bringing them within PCI DSS scope.

Next Steps to Determine Your PCI DSS Compliance Requirements

Essentially, even if an organization doesn't handle cardholder data directly, any involvement in processes or systems connected to it can have PCI DSS compliance implications. Understanding these implications is crucial for ensuring overall data security and regulatory adherence.

Navigating the nuances of PCI DSS scope can be complex, and there's no one-size-fits-all approach. Each organization must carefully assess its operations, understand where it fits within the scope of PCI DSS, and take necessary measures to ensure compliance and data security.

At Schellman, we specialize in guiding organizations through the intricacies of PCI DSS compliance and data security. Whether you're uncertain about your scope or need assistance with compliance measures, our experts are here to help, so reach out to us, and let's ensure your organization remains secure and compliant in today's evolving regulatory landscape.

About Schellman

Schellman is a leading provider of attestation and compliance services. We are the only company in the world that is a CPA firm, a globally licensed PCI Qualified Security Assessor, an ISO Certification Body, HITRUST CSF Assessor, a FedRAMP 3PAO, and most recently, an APEC Accountability Agent. Renowned for expertise tempered by practical experience, Schellman's professionals provide superior client service balanced by steadfast independence. Our approach builds successful, long-term relationships and allows our clients to achieve multiple compliance objectives through a single third-party assessor.