Compliance for PCI 3DS by PCI SSC
Protect yourself with PCI 3DS core security protocol and respective core function specifications.
Reflare’s strategic alliance with Dot.Bit delivers cost-effective PCI 3DS solutions for your technologies and teams. Our integrated training and audit offering helps you achieve your compliance requirements.
Card Issuers and Merchants
The PCI 3DS (Payment Card Industry 3-D Secure) Standard is for acquirers and/or their agents who handle or process credit card transactions and those required to secure the management, processing, and transmission of digital payments.
The standard represents a baseline of technical and operational requirements designed to protect cardholder data and is maintained by the PCI Security Standards Council.
Transaction safety
PCI 3DS revolves fundamentally around two critical aspects: enhancing system security and fostering customer trust.
By adhering to PCI 3DS standards, businesses can ensure robust security measures are in place to protect sensitive payment card information. This is crucial in an era where digital transactions are prevalent, and data breaches can have severe consequences.
Secure Card Transactions
PCI 3DS compliance helps reduce card-not-present payment fraud and assures security to payment service providers.
The PCI 3DS Core Security Standard applies to those who perform or provide the following functions, as defined in the EMVCo 3DS Core Specification:
1. 3DS Server (3DSS)
2. 3DS Directory Server (DS)
3. 3DS Access Control Server
Operational Integrity
Where a third-party service can impact 3DS functionality or the security of the 3DS Environment (3DE), the applicable PCI 3DS requirements will need to be identified and implemented for that service.
While the ultimate responsibility for the security of the 3DE and 3DS Data lies with the 3DS entity, service providers may be required to demonstrate compliance with the applicable PCI 3DS requirements based on the service provided.
Validation Requirements
There are two components to achieving PCI 3DS validation.
Firstly, obtaining Baseline Security Requirements is essential for implementing the necessary technical and operational security measures to protect the environments where 3DS functions are performed. These requirements reflect general information security principles and practices common to many industry standards and should be considered for any environment.
Secondly, achieving the 3DS Security Requirements demonstrates that specialised security controls are in place to specifically safeguard 3DS data, technologies, and processes.