Challenges of PCI-Compliant Multi-Factor Authentication
In the era of ever-evolving cybersecurity threats, Multi-Factor Authentication (MFA) has emerged as a hallmark of robust user authentication. While the premise of MFA is straightforward, implementation nuances can introduce significant complexities, especially when aligning with Payment Card Industry (PCI) guidelines. The distinction PCI makes between multi-factor and multi-step authentication (MSA) presses developers into a challenging trilemma. This article explores this trilemma, the real-world MFA practices of major internet platforms, and the pitfalls in the PCI guidance.
Navigating PCI Compliance with A.C.E.
Many parts of the PCI Data Security Standard are technical in nature, and some may even be hard to understand without a certain level of computer experience. We are here to relieve stress and pain and make it easy for you to achieve and maintain PCI compliance. ACE, our security compliance solution, walks you through the PCI compliance process, putting tasks in easy-to-understand terms, so that you won’t get bogged down in technical jargon. ACE enables you to concentrate on what you do best — running your business and serving your customers.
PCI Frequently Asked Questions (FAQ)
The Payment Card Industry Security Standards Council (PCI SSC) is the regulating body established by the credit card brands to institute and enforce procedures which enhance the security of credit card transactions. All merchants and other organizations that transact business using credit cards are required to follow the procedures established by the PCI Council and verify the same. The overriding governing document of the Council is the PCI DSS (Data Security Standard).
PCI Terminology
Understanding a compliance standard requires understanding all of its terminology and jargon. We've compiled our own glossary of terms for the PCI DSS to provide additional clarity beyond the Official PCI SSC Glossary.
IT Risk Assessment
To prevent any risk of a security breach, it is always a good idea to conduct a periodic risk assessment. A risk assessment will help identify the areas where your company is most susceptible to an attack from a hacker or thief. The fall-out from a security breach is enough to shutdown any business, but has the greatest impact on small businesses. In the event of a security breach a business could be hit with fines, additional compliance requirements, as well as bad publicity, any of which could be enough to force a business to close its doors and be out-of-business. Making security a priority and routinely assessing your security posture can protect your company against potential threats and reduce its risk exposure.