Services -- PCI Compliance

PCI Compliance

The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information maintain a secure environment. Essentially any merchant that has a Merchant ID (MID). PCI applies to ALL organizations or merchants, regardless of size or number of transactions, that accepts, transmits or stores any cardholder data. Said another way, if any customer of that organization ever pays the merchant directly using a credit card or debit card, then the PCI DSS requirements apply.

All merchants that store, process or transmit cardholder data must be compliant now. Complying with the PCI DSS is complicated, confusing and involves a lot of work for both the Agent and merchant alike. The consequences of non-compliance are serious, and expose merchants to non-compliance penalties as well as increased liability in the event of a data compromise.

Using the MeritCard PCITool Kit merchants can become compliant in a matter of minutes. The PCI ToolKit is a patent-pending solution that makes helping merchants achieve and maintain Payment Card Industry Data Security Standard (PCI DSS) compliance quick and easy while alleviating the business burden your merchants face.

PCI ToolKit’s automated PCI DSS Self-Assessment Questionnaire (SAQ) guides merchants through a series of business-friendly, simple-to-understand questions presented in layman's terms about their payment processing environment. Sophisticated survey logic analyzes responses real-time to present only questions pertinent to their businesses going forward.

Based on SAQ responses, PCI ToolKit identifies areas of potential weakness and risk, and automatically generates simply-worded policies and procedures, remediation instructions and a remediation timeline.

A merchant dashboard provides up-to-the-minute SAQ progress details. It also identifies remaining tasks and remediation actions to be addressed to achieve compliance validation and generate a certificate of compliance.

Online help, plus swift email support provides hand-holding and guidance to help merchants successfully complete the SAQ and comply with card brand reporting requirements.

PCI ToolKit works with all PCI Security Standards Council Approved Scanning Vendors (ASVs). Services from ComplyGuard Networks are seamlessly integrated in terms of merchant boarding, reporting and billing.

MeritCard takes extra safety measures to ensure our merchants data is secure, however, we’re only part of the equation. We count on each merchant doing their part to become PCI Compliant and certify that how they manage, store, and process their transactions is secure. The process of becoming PCI Compliant is sometimes a daunting task. Business owners seldom have the time to dedicate the time necessary to completing the process.

MeritCard has made becoming compliant easy!

We have created a website that allows your merchants to login and access a dynamic site that assists each merchant in becoming compliant. The complicated forms and instructions are now simplified and each merchant is guided through intuitive questions to achieve certification.

Each section of the PCI Toolkit walks you through selecting the correct answer for your merchants business type. A highlighted box at the top of the survey shows your merchant their progress and allows them to stop and save the current data at any time, to complete at a later date.

The Toolkit is one of the only SAQ/PCI Compliant sites that was allowed to re-write the standard questions to simplify the certification process. Each question is easy to understand, straight forward, and offers assistance and supporting documents to get your accounts compliant.

A progress bar helps keep your merchants informed on the number of remaining questions and allows them to submit their answer, return to the previous answer, or skip answers they are not certain of.

The average PCI Certification process using the PCI Toolkit takes approximately 15 minutes, with other providers or completing the paper document the completion time is 1 hour.

MeritCard wants to help eliminate any potential secure breech at your merchants place of business. Saving your merchant money on their processing fees is important, but helping them become compliant and protect themselves from fraud that could devastate their business is crucial.

Please contact our Sales Department or a Relationship Manager for more details on our PCI Compliance program.