How do you comply with PCI DSS standards for mobile payment processing?

2 How to choose a mobile payment solution?

One of the most important steps to comply with PCI DSS is to choose a mobile payment solution that meets the standard's requirements and reduces your scope of compliance. Scope refers to the extent of your systems and processes that are involved in handling cardholder data; the less scope you have, the easier and cheaper it is to comply with PCI DSS. When selecting a mobile payment solution, look for one that uses encryption or tokenization to protect cardholder data at the point of capture and throughout the transaction, does not store any cardholder data on your device or app, is validated by a PCI-approved vendor or assessor, provides regular updates and patches to address any security vulnerabilities, and offers clear and comprehensive documentation and support.

3 How to secure your mobile device and app?

Even if you choose a secure mobile payment solution, it is still important to take measures to secure your mobile device and app. Malware, hackers, and theft can all compromise your device and app. To protect your device and app, use a strong password or biometric authentication to lock it. Enable encryption and remote wipe features as well. Only install trusted and verified apps from official sources. Additionally, avoid using public or unsecured Wi-Fi networks or Bluetooth connections. Delete any sensitive data or messages from your device or app, and report any suspicious or fraudulent activity to your payment provider and card brands.

4 How to train your staff and customers?

Complying with PCI DSS also requires training your staff and customers on how to use mobile payment processing safely and correctly. Your staff should be aware of the PCI DSS requirements and policies that apply to your business and how to follow them, while your customers should be informed of the benefits and risks of mobile payment processing and how to protect their data and privacy. To ensure this, it’s important to provide regular and up-to-date training sessions and materials to your staff, display clear instructions for your customers, encourage questions and issue reporting from both staff and customers, and monitor the effectiveness of your training program.

5 How to monitor and test your mobile payment processing?

The final step to comply with PCI DSS is to monitor and test your mobile payment processing regularly and continuously. This is to ensure that your mobile payment solution, device, app, and network are functioning properly and securely. Additionally, it helps you detect and respond to any potential breaches or incidents that could compromise your cardholder data. To achieve this, you should periodically scan and audit your mobile payment solution, device, app, and network. Furthermore, you should review and analyze your transaction logs and reports, as well as implement and test your incident response plan. Finally, it's important to report any changes or incidents to your payment provider and card brands.

6 Here’s what else to consider

This is a space to share examples, stories, or insights that don’t fit into any of the previous sections. What else would you like to add?