Updated: Mar 25
PCI compliance refers to a set of security standards established by the Payment Card Industry Security Standards Council (PCI SSC) to ensure that businesses that handle credit card transactions maintain a secure environment for payment card data. The PCI Data Security Standards (PCI DSS) are a set of requirements that businesses must follow to protect cardholder data, prevent credit card fraud, and maintain the integrity of the payment card system.
The PCI DSS applies to all businesses that accept payment cards from major card brands such as Visa, Mastercard, American Express, Discover, and JCB. These standards are intended to protect payment card data throughout the entire payment process, including storage, transmission, and processing.
The PCI DSS has six core objectives, which include building and maintaining a secure network, protecting cardholder data, maintaining a vulnerability management program, implementing strong access control measures, regularly monitoring and testing networks, and maintaining an information security policy. Businesses are required to demonstrate compliance with these requirements through various methods, including self-assessment questionnaires, on-site audits, and vulnerability scans. Failure to comply with PCI DSS can result in significant fines, reputational damage, and loss of business.
What are the PCI Training Requirements for Employees?
The specific requirements for PCI training depend on the role of the employee and the level of access they have to cardholder data.
Generally, the PCI training requirements for employees include:
Understanding the PCI DSS
All employees who handle payment card information should have a basic understanding of the PCI Data Security Standard (DSS) and how it applies to their job responsibilities.
Security Awareness Training
All employees should receive regular security awareness training to help them identify and prevent security threats, such as phishing scams, malware, and social engineering attacks.
Employees with access to cardholder data should receive training specific to their job responsibilities, such as best practices for processing, storing, and transmitting cardholder data.
Incident Response Training
Employees should receive training on how to respond to security incidents, including reporting the incident to their supervisor, containing the breach, and preserving evidence.
All employees should receive annual PCI compliance training to ensure they stay up-to-date with the latest security trends and technologies.
Seven Elements of a Comprehensive PCI Compliance Training Course
The elements of a PCI compliance training course typically include:
Overview of PCI compliance: This section covers the basic principles of PCI compliance, including the purpose of the PCI Data Security Standard (DSS), the types of businesses required to comply, and the consequences of non-compliance.
Cardholder data protection: This section focuses on the importance of protecting cardholder data, including the different types of data that need to be protected, such as credit card numbers, expiration dates, and cardholder names. This section may also cover best practices for securely storing, transmitting, and processing cardholder data.
Security awareness: This section covers the importance of security awareness and how to recognize and prevent security threats, such as phishing scams, malware, and social engineering attacks.
Policies and procedures: This section covers the policies and procedures that businesses must implement to maintain PCI compliance, including password management, access control, and incident response.
Compliance validation: This section covers the different methods of compliance validation, including self-assessment questionnaires, vulnerability scans, and onsite assessments.
Consequences of non-compliance: This section covers the potential consequences of non-compliance, including fines, penalties, and loss of reputation.
Best practices: This section covers best practices for maintaining PCI compliance, including regular security assessments, ongoing employee training, and staying up-to-date with the latest security trends and technologies.
Online Resources for Building PCI compliance Training Programs
There are many online resources available to help businesses build effective PCI (Payment Card Industry) compliance training programs for their employees. Some of these resources include:
PCI Security Standards Council
The PCI Security Standards Council provides a variety of resources and tools to help businesses build effective PCI compliance training programs. This includes training materials, online training courses, and a list of approved training providers.
Payment Card Brands
The major payment card brands, such as Visa, Mastercard, and American Express, provide resources and training materials to help businesses comply with PCI requirements. These resources often include training materials and best practices for protecting cardholder data.
Cybersecurity organizations, such as the National Cyber Security Alliance and the Information Systems Security Association, provide a variety of resources and training materials to help businesses improve their security posture and comply with industry standards, including PCI compliance.
Online Security Training Platforms
Platforms like KnowBe4, Infosec, and Cybrary provide a range of security and compliance training courses, including those focused on PCI DSS, as well as options for tracking employee progress and assessments.
About LMS Portals
At LMS Portals, we provide our clients and partners with a SaaS-based, multi-tenant learning management system that allows you to launch a dedicated training environment (a portal) for each of your unique audiences.
The system includes an embedded course authoring tool that enables most anyone to build engaging courses quickly and easily.
We offer a complete library of ready-made corporate training courses, including a wide selection of sales and sales leadership courses. So you can build your own courses, utilize our off-the-shelf library, or some combination of the two.
If you choose to, you can create Learning Paths to deliver courses in a logical progression and add structure to your training program.
The system also supports Virtual Instructor-Led Training (VILT) and provides tools for online coaching and social learning.
Together, these features enable you to create a comprehensive PCI training course for your employees.