PCI Compliance and Payment Security
SAQ B Guide
Understanding SAQ B for PCI Compliance
The Self-Assessment Questionnaire B (SAQ B) is a critical step for merchants who handle card-not-present transactions using standalone, dial-out terminals or imprint machines without electronic cardholder data storage. This guide helps you understand SAQ B requirements and how to maintain PCI compliance effectively.
Who Should Complete SAQ B?
SAQ B is designed for merchants that process card payments via standalone terminals that connect over phone lines or use manual imprint machines. These merchants do not store cardholder data electronically, reducing the scope of PCI compliance but still requiring validation to protect payment security.
Key Requirements of SAQ B
- Use and regularly update anti-virus software on applicable systems
- Maintain secure physical access controls to payment terminals
- Ensure payment terminals are not connected to the internet or other insecure networks
- Protect stored cardholder data if any is retained in paper form
- Implement strong access control measures and unique IDs for users
Completing SAQ B involves answering a series of questions to confirm these security measures are in place. It’s important to review your payment processing setup carefully to determine if SAQ B applies to your business.
Next Steps for PCI Compliance with SAQ B
To move forward, start by gathering your payment processing details and reviewing your current security controls. If you receive monthly merchant statements, consider scanning your PDF statements with Merchant Statement Scanner to analyze processing fees and identify potential savings. This additional step can improve your overall payment security and cost management.
Finally, complete the SAQ B form accurately and submit it to your acquiring bank or payment processor as part of your PCI compliance validation. Regularly revisit your security practices to stay compliant and protect your customers’ data.
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