Rec Pay's PCI Compliance program

With data breaches happening every minute in the United States we take PCI compliance very seriously.
Our compliance program is among the easiest to use in the industry and were always here to help you along the way!

Simple process

Our questionnaire is among the simplest in the industry. Just complete a brief survey once a year to ensure you are keeping up with the latest security standards.

Annual questionnaire

We require the compliance survey to be completed annually. You can complete via our online portal or even call in to have the questionnaire done over the phone!

Comprehensive coverage

PCI security policy templates are adaptable to the unique processes within your organization and provide a comprehensive solution to compliance requirements.

Learn more about PCI Compliance

The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard for organizations that handle cardholder information for the major debit, credit, prepaid, e-purse, ATM, and POS cards.

Defined by the Payment Card Industry Security Standards Council, the standard was created to increase controls around cardholder data to reduce credit card fraud via its exposure. Validation of compliance is done annually — by an external Qualified Security Assessor (QSA) for organizations handling large volumes of transactions, or by Self-Assessment Questionnaire (SAQ) for companies handling smaller volumes.

At NAA we take PCI compliance very seriously. We only sell PCI DSS certified gateways and terminals. For 98% of our merchants, PCI DSS is handled by our offices on behalf of the merchant - purchasing terminals or gateways directly from NAA ensures that you are compliant on day one of your processing contract with NAA. In the event that you happen to utilize a non-compliant terminal or gateway, we will upgrade you free of charge!

The core of the PCI DSS is a group of principles and accompanying requirements, around which the specific elements of the DSS are organized:

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

Protect Cardholder Data

  • Requirement 3 – Protect stored cardholder data
  • Requirement 4 – Encrypt transmission of cardholder data across open, public networks

Maintain a Vulnerability Management Program

  • Requirement 5 – Use and regularly update anti–virus software
  • Requirement 6 – Develop and maintain secure systems and applications

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

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

Maintain an Information Security Policy

  • Requirement 12 – Maintain a policy that addresses information security

PCI Validation Requirements

Merchant Level

Selection Criteria

Validation Actions

Validated By

1 Any merchant, regardless of acceptance channel, processing more than 6,000,000 Visa transactions per year

Any merchant that has suffered a hack or an attack that resulted in an account data compromise

Any merchant identified by any card association as Level 1

Annual on-site security audit and quarterly network scan Independent security assessor or internal audit if signed by an officer of the company

Qualified independent scan vendor

2 1 million - 6 million Visa or MasterCard transactions per year Annual PCI Self-Assessment Questionnaire and quarterly network scan Merchant qualified independent scan vendor
3 20,000 - 1 million Visa or MasterCard e-commerce transactions per year Annual PCI Self-Assessment Questionnaire and quarterly network scan Merchant qualified independent scan vendor
4 Less than 20,000 Visa or MasterCard e-commerce transactions per year, and all other merchants processing up to 1 million Visa or MasterCard transactions per year Recommended annual PCI Self-Assessment Questionnaire and quarterly network scan Merchant qualified independent scan vendor

Note: While compliance is mandatory for Level 4 Merchants, validation is optional but strongly recommended