How to Meet your PCI DSS Targets with Okta

Did You know that the most common type of identity theft is debit and credit card fraud? According to the Federal Trade Commision, the rate of card fraud more than doubled between 2017 and 2019 with more than 270,000 reports in 2019 alone. 

The Payment Card Industry Data Security Standards (PCI DSS) were introduced to help businesses to prevent, detect, and react to the potential loss of card details. As one of the most effective ways to protect sensitive user data, it can be a useful standard to promote user trust. Let’s take a closer look at how your business can use preventative security measures to stem the tide of identity theft. 

What is PCI DSS?

PCI DSS is a global standard that protects cardholders’ sensitive data and implements tight controls on how businesses store, transmit, and process that information. It requires the use of strong multi-factor authentication (MFA) and encryption, and limits the number of employees that have access to credit card data. 

The standard is governed by the PCI Security Standards Council (PCI SSC), which helps organizations understand security policies, protect systems from breaches, and implement standards for secure payment solutions. Its requirements also cover several areas of security, supporting companies as they develop stronger security.  

The goals of PCI DSS

PCI DSS outlines 12 payment card security requirements and best practices. These span the spectrum from the installation and use of firewalls/antivirus software to the encryption of data transmissions. 

These requirements can be broken down into the following six goals:

  1. Secure your network: Businesses must install and maintain a firewall configuration to protect cardholder data and restrict network traffic. It’s also important to enhance systems and assets with more stringent security and unique, non-vendor supplied passwords.
  2. Protect cardholder data: Companies need to adequately protect cardholder and customer account data—whether in their databases or in transit—through strong access control and approved encryption techniques.
  3. Maintain a vulnerability management program: Organizations can protect their systems against malware by regularly updating software and implementing secure system development techniques.
  4. Implement strong access control measures: Businesses can reduce the risk of data loss by implementing strong logical and physical access control measures.
  5. Regularly monitor and test networks: Unauthorized access to cardholder data can be prevented by tracking and monitoring access to network resources. Businesses must routinely test their security systems and processes to ensure that only people who absolutely require access to payment information are able to enter the network.
  6. Maintain an information security policy: It’s important for businesses to maintain a policy that addresses information security for all team members, while centralizing all PCI directives so that employees can reference guidelines when running scans or completing data tasks. 

These requirements can often be complex for organizations to maintain, especially if they handle a large volume of users. This is where Okta can help.

Meet your PCI DSS targets with Okta

Okta provides a suite of identity solutions that enable businesses to meet their PCI DSS requirements. Use the following to fast-track your PCI DSS compliance.

  • The Okta Identity Cloud provides features like user identity management, Single Sign-On, MFA, and flexible security control policies, as well as integrations with Active Directory and LDAP that help to restrict access to cardholder data. Okta’s solutions capture events and data in real time, which enables businesses to provide interactive troubleshooting and detailed reporting.
  • Okta Access Gateway helps businesses to protect both on-premises and cloud apps from a single identity provider. Using it in a PCI DSS environment augments the use of stronger authentication methods to keep businesses’ sensitive data secure regardless of where they store it and without having to use expensive on-prem software tools.
  • Advanced Server Access delivers a modern, identity-first approach to server access that replaces shared admin accounts and static credentials with short-lived, tightly scoped, on-demand certificates and independently authenticated access requests. It ensures that only users who have been explicitly assigned to a project are authorized to access the server, and reduces the operational burdens of traditional gated methods of system access.

In today’s digital economy, companies have a responsibility to their customers to deliver seamless experiences while also protecting their personal and financial information. With Okta, securing your data and remaining compliant with regulatory requirements becomes much easier. 

For more information about how Okta helps its customers meet PCI DSS compliance requirements, check out our whitepaper, Your PCI DSS Compliance Journey with Okta.