E-commerce Compliance Guidelines and KU Policies


PCI Compliance Standards

Introduction to PCI

Payment Card Industry Data Security Standards, better known as PCI, is a set of guidelines developed by the major credit card companies (Visa, MasterCard, Discover, American Express, and JCB) to help companies and organizations that process credit cards prevent credit card fraud and breaches of cardholder information.  Any organization that processes, stores, or transmits credit card numbers is required by the credit card companies to be compliant with the PCI standard. Organizations which fail to comply may lose the ability to accept credit cards as a form of payment.

The Requirements of PCI

There are 12 specific requirements outlined by PCI. These requirements are arranged into six control objectives, or general goals of PCI. The PCI control objectives and requirements are outlined below:

Control Objective 1: Build and maintain a secure network.

Requirement 1: Install and maintain a firewall configuration to protect cardholder data.

Requirement 2: Do not use vendor-supplied defaults for system passwords and other security parameters.


Control Objective 2: Protect cardholder data.

Requirement 3: Protect stored cardholder data.

Requirement 4: Encrypt transmission of cardholder data across open, public networks.


Control Objective 3: Maintain a vulnerability management program.

Requirement 5: Use and regularly update anti-virus software.

Requirement 6: Develop and maintain secure systems and applications.


Control Objective 4: Implement strong access control measures.

Requirement 7: Restrict access to cardholder data by business need-to-know.

Requirement 8: Assign a unique ID to each person with computer access.

Requirement 9: Restrict physical access to cardholder data.


Control Objective 5: Regularly monitor and test networks.

Requirement 10: Track and monitor all access to network resources and cardholder data.

Requirement 11: Regularly test security systems and processes.


Control Objective 6: Maintain an information security policy.

Requirement 12: Maintain a policy that addresses information security.

Additional PCI Resources


Credit Card Information & Guidelines

Credit card information is considered "personal identifiable information" as well as "personal financial information," and should be handled with the utmost care, security and confidentiality within University business processes.

Any department processing credit card transactions will be charged accordingly for any interchange fee, Merchant Service processor fee, settlement gateway fee and online system transaction and/or maintenance fee related to credit card payment processing.

Departments desiring to initiate payment options to accept credit cards by using a credit card terminal, online payment application or contracting for payment services should contact the E-commerce Committee before purchasing a machine, software or related hardware. It is imperative that KU units take all the proper steps for procurement and compliance.


KU Policies Related to E-commerce

E-commerce & Events:

Security & Privacy:

Technology:

Other Related Policies:


KU E-commerce Do's & Don'ts

DO:

  • Work with the KU E-commerce Committee for all your KU e-commerce needs
  • Allow plenty of time to establish your Merchant ID and e-commerce solutions (min. 1-3 months)
  • Read and comply with all KU e-commerce guidelines and policies

DON'T

  • Use unauthorized e-commerce vendors, including Square, PayPal, etc.
  • Conduct e-commerce at KU without an official Merchant ID
  • Initiate conversations or contracts with external vendors without the assistance of the E-commerce Committee