BayernLB
BayernLB engaged Focus Group to improve its connectivity, optimise productivity and enhance its working environment.
PCI DSS Compliance solutions
Protecting cardholder data is of paramount importance in today’s digital world. If your business operates a point-of-sale system or accepts payment cards of any kind, PCI compliance is fundamental. Focus Group’s PCI DSS-compliant payment solutions protect sensitive card data at every step of the transaction journey.
PCI compliance solutions: Secure payment processing for businesses
Secure payment processing isn’t just about following the rules, it’s about earning and retaining the trust of your customers. Our PCI compliance solutions have been developed to make it easier for your business to meet industry standards, ensuring secure payment processing without the complexity of internal management.
Focus Payments is here to take the complexity out of payment security. Whether you're handling thousands of transactions daily or just getting started with digital payments, our robust solutions adapt to your needs. We’ll handle the technical safeguarding, the audits and the protection of your payment processes, giving you time to focus on growing your business.
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PCI compliance for business
Think of PCI DSS (Payment Card Industry Data Security Standard) as the security shield protecting every credit card transaction. These essential standards ensure the payment card details of consumers stay safe, whether shopping online or in-store.
Created by leading credit card companies like Visa, Mastercard, and American Express, these requirements form a protective framework that every business handling card payments must follow. From the smallest online shop to major retailers, if your business touches credit card data in any way – whether processing, storing, or transmitting it – you're required to meet these crucial security standards
Request a quoteWhat are the benefits of Focus Payments?
Regulatory Compliance
Our PCI DSS payment solutions are designed to help businesses Navigate the complex landscape of PCI-DSS payment security requirements imposed by major credit card brands and financial institutions. Beyond avoiding costly non-compliance penalties and fines.
Secure card payments
Create a comprehensive defence system that goes beyond just protecting payment data. These controls work together to create a robust security framework that protects not just cardholder data but often elevates the IT infrastructure against evolving threats.
Reputational risk mitigation
Customers are becoming increasingly selective about whom they trust with their payment information. PCI-DSS compliance serves as a clear signal to customers that you take data security seriously and has implemented internationally security standards.
Focus PCI-DSS Payment solutions: Designed for your business
We understand the importance of maintaining PCI DSS compliance to facilitate secure transactions for both your business and your customers. With our innovative solutions, Focus Group is committed to making card payments secure and compliance seamless.
Our solutions safeguard sensitive payment information while streamlining transactions, and with four different solutions available, we’ll protect your business in a way, or combination of ways, which suit YOU.
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IVR payments
Empower your customers to make payments at a time that suits them, 24/7 hours a day, without speaking with an agent.
Digital Payment or Link payment
Secure, PCI-DSS compliant payment options via digital channels such as webchat, WhatsApp, social media, email and SMS.
Agent Assistance:
Agent-led payments, using DTMF keypad tones, enabling your agent to securely guide your customer through the payment process.
Point Of Sale (POS)
Face-to-Face payments, without the need for a PDQ machine. Generate a secure QR code to enable your customers to make payments without the need for physical card transactions.
PCI compliance for all types of payment
Frequently asked questions
What is a PCI compliance audit?
A PCI compliance audit is a formal assessment to verify that a business meets all PCI DSS security requirements. The audit process typically involves a review of security policies and procedures documentation, an examination of network architecture and data flows, the testing of security controls and systems, a network vulnerability scan, a review of how card data is stored, processed and transmitted, and - on occasion – employees will be interviewed about security practices.
What is PCI Compliance, and why is it important?
PCI DSS (Payment Card Industry Data Security Standard) compliance is a set of security requirements designed to protect credit card data and ultimately, the personal data of consumers. It applies to any organisation that processes, stores, or transmits credit card information. The requirements are set by the PCI Security Standards Council, which was founded by major credit card companies including Visa, Mastercard and American Express.
Who needs to be PCI compliant?
In a nutshell, any business that handles credit card data needs to be PCI compliant. Even businesses that outsource payment processing or use third-party payment processors such as PayPal, may still need certain levels of compliance if card details pass through systems, even if only temporarily.
How can Focus Group help my business achieve PCI compliance?
Focus Payment solutions ensure PCI compliance for all voice, link, SMS, webchat and social media transactions. Our solutions protect businesses from fraud by ensuring no card information is ever seen or heard by the agent/call recipient. This is achieved very simply and without interruption to the phone conversation or call recording, i.e., without any need to pause, suppress, or manipulate voice recordings.
How does PCI compliance protect customer data?
Complying with PCI-DSS involves the implementation of strong encryption mechanisms to safeguard sensitive cardholder data. Secure protocols such as Transport Layer Security (TLS) or Secure Sockets Layer (SSL) are used to encrypt cardholder data during transmission over networks.
What are the consequences of not being PCI compliant?
Businesses that don't comply with PCI DSS in the UK can face a number of consequences, including fines imposed by credit card companies and payment brands, increased transaction fees, loss of card processing privileges and even legal action since a payment breach could also mean a GDPR breach. A less tangible impact is consumer reputation. If your business becomes affiliated with failure to meet industry standards regarding PCI, customers will quickly lose confidence in your ability to protect their sensitive information. This results in diminished sales, as customers decide to go to more reliable businesses.
How often do businesses need to renew their PCI compliance?
Businesses must renew their PCI compliance annually. This involves completing the required assessments, such as a self-assessment questionnaire (SAQ) or an on-site assessment by a Qualified Security Assessor (QSA), depending on the merchant level. Additionally, quarterly network scans are required by an Approved Scanning Vendor (ASV) to ensure ongoing compliance.
How do I determine my PCI compliance level?
You can determine your level of PCI compliance by coordinating with your service providers or using reporting tools. It’s best to check specific merchant levels for the credit card companies you are using.
What is the process for becoming PCI compliant?
The PCI DSS specifies 12 requirements that are organised into six control objectives. These objectives include the build and maintenance of a secure network, the protection of cardholder data, the maintenance of a vulnerability programme, the implementation of strong access control measures, regular monitoring and testing of networks, and a well-maintained information security policy.
Can PCI compliance prevent cyber attacks?
The standard's requirements establish multiple layers of security controls, including network segmentation, encryption, access control, and continuous monitoring. These controls work together to create a robust security framework that protects not just cardholder data but often elevates the overall security of a business' entire IT infrastructure against evolving threats.
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