PCI Security Practices

Merchants who accept credit card payments should be aware of the PCI (Payment Card Industry) Data Security Requirements from the major credit card companies. These requirements have been developed to ensure safe handling of sensitive payment information, such as storage and transfer of credit card information. PCI is the umbrella program for other programs, such as Visa Cardholder Information Security Program (CISP) and Master Card Site Data Protection (SDP). This document contains instructions for configuring ShopSite to meet PCI requirements. Merchants may also need to implement other procedures for handling credit card information outside of the ShopSite Shopping Cart Software.

These guidelines are for merchants who handle and process credit card information. If you do not accept credit cards, PCI requirements do not apply to you. You should, however, still follow good security practices and implement applicable guidelines included here.

Installation

Your hosting provider should have already installed ShopSite for you. Instructions to securely install ShopSite can be found in the ShopSite Installation help.

You and your hosting provider should always use a secure connection (SSH, SFTP, FTP over SSH, etc.) and two-factor (password plus public key) authentication when connecting to the server for administrative purposes. This includes when you connect to install or upgrade ShopSite, or when you connect to perform other administrative tasks on your server.

The server Operating System and other applications such as the Web server and E-mail server must be kept up to date with the most recent security patches. Your hosting provider is usually responsible for this, and should already be doing it. For more details regarding this subject, see the PCI Security Standards Council Web page.

If you are storing credit card numbers or other sensitive personal information, you are requred to store the information on a remote database in an internal network zone (see PCI DSS requirement 1.3,). ShopSite can be configured to use a remote PostgreSQL database to store sensitive order information, but you are responsible for setting up the database in compliance with PCI security guidelines.

Upgrading

When upgrading to a newer version of ShopSite, you should follow the same security practices as if you were installing a new store (described above). If you are upgrading from a version of ShopSite prior to 8.1, you must remove orders placed prior to the upgrade to be PCI compliant. More information about upgrading can be found in the Upgrading ShopSite help.

Accepting Credit Cards

There are three ways to accept credit cards with your ShopSite store. The first is an external processor, which has the customer enter payment information directly on the payment processor's site. Merchants who want to keep the customer on their own site can use an internal processor, which gathers the payment information within the ShopSite shopping cart and then sends it to the processor. Finally, merchants can manually process credit card information.

Security Logs

PCI guidelines require merchants to log all access to payment information, and to retain those logs for 12 months. ShopSite's Intruder Detection System records every time someone views an order. The current month's log is viewable from the Back Office, and the previous 12 months are automatically stored. See the Intruder Detection Help for more information.

Determining Compliance

ShopSite includes a feature to help you know how well your store complies with PCI security guidelines for credit card processing and storage. On the ShopSite Order Screen you will see a security level indicator near the top left corner of the screen. If you have a high security level, your ShopSite store is configured to comply with PCI requirements. If your security level is Medium or Low, you are not meeting all the PCI requirements regarding your ShopSite store. Even if your security level in ShopSite is High, you may still need to do other things to comply with PCI requirements. See the PCI Security Standards Council Web page for the complete PCI DSS requirement specification.

Additional Requirements

In addition to the guidelines for storing credit card information, PCI requirements include numerous additional guidelines regarding safe practices. You must meet all the guidelines to be PCI compliant. Some of those relevant to managing ShopSite stores are listed below.

See the PCI Security Standards Council Web page for the complete PCI requirement specification.


ShopSite Help and Resource Center
Last updated: March 01, 2010
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