The Payment Application Data Security Standard (PA-DSS), formerly referred to as the Payment Application Best Practices (PABP), is the global security standard created by the Payment Card Industry Security Standards Council (PCI SSC). PA-DSS was implemented in an effort to provide the definitive data standard for software vendors that develop payment applications. The standard aims to prevent developed payment applications for third parties from storing prohibited secure data including magnetic stripe, CVV2, or PIN. In that process, the standard also dictates that software vendors develop payment applications that are compliant with the Payment Card Industry Data Security Standards (PCI DSS).
For a payment application to be deemed PA-DSS compliant, software vendors must ensure that their software includes the following 14 protections:
|1. Do not retain full magnetic stripe, card validation code or value, or PIN block data.|
|2. Protect stored cardholder data.|
|3. Provide secure authentication features.|
|4. Log payment application activity.|
|5. Develop secure payment applications.|
|6. Protect wireless transmissions.|
|7. Test payment applications to address vulnerabilities.|
|8. Facilitate secure network implementation.|
|9. Cardholder data must never be stored on a server connected to the internet.|
|10. Facilitate secure remote software updates.|
|11. Facilitate secure remote access to payment application.|
|12. Encrypt sensitive traffic over public networks.|
|13. Encrypt all non-console administrative access.|
|14. Maintain instructional documentation and training programs for customers, resellers, and integrators.|
Governance and enforcement
PCI SSC has compiled a list of payment applications that have been validated as PA-DSS compliant, with the list updated to reflect compliant payment applications as they are developed. Creation and enforcement of these standards currently rests with PCI SSC via Payment Application-Qualified Security Assessors (PA-QSA). PA-QSAs conduct payment application reviews that help software vendors ensure that applications are compliant with PCI standards.
Governed originally by Visa Inc., under the PABP moniker, PA-DSS was launched on April 15, 2008 and updated on October 15, 2008. PA-DSS then became retroactively distinguished as "version 1.1" and "version 1.2".
On March 31, 2009, the United States House of Representatives’ Committee on Homeland Security convened to discuss the current PCI DSS requirements. Representatives such as Yvette Clark (D-NY) expressed interest in increasing the strength of standards while others, such as Bennie Thompson (D-Miss.) expressed doubt that industry created standards would be sufficient in the future. While Congressional attention was focused largely on PCI DSS, the criticism of card-issuer standards could eventually bring Congressional or legal focus on PA-DSS and on PCI SSC as an entity.
The future of these standards is somewhat vague, with Congressional attention giving rise to the possibility of governmental intervention. Regardless, meeting standards can prove expensive and time consuming for software vendors, with the current expense of PA-DSS certification outpacing other methods of compliance. Given the cost of compliance and certification, current or yet-undetermined alternatives could emerge in the PCI standards compliance market. Visa USA announced a more aggressive push into such technology (chip and pin) in August 2011.
The PCI SSC has published additional materials that further clarify PA-DSS, including the following:
- PA-DSS Requirements and security assessment procedures.
- Changes from past standards.
- General program guide for QSAs.
- PCI Security Standards Council
- PA-DSS Requirements
- "Payment Application Data Security Standard (PA-DSS) V1.1". PCI Security Standards Council. Archived from the original on 2010-08-02.
- "Payment Application Data Security Standard (PA-DSS) V1.2". PCI Security Standards Council. Archived from the original on 2010-08-02.
- "Do the Payment Card Industry Data Standards Reduce Cybercrime?". U.S. House Homeland Security Committee. March 31, 2009. Archived from the original on 2009-12-02.
- Visa, MasterCard In Security Hotseat
- PA-DSS Certification Vs. Hosted Payments
- "Visa Announces Plans to Accelerate Chip Migration and Adoption of Mobile Payments" (Press release). Visa. August 9, 2011. Archived from the original on 2011-09-23.
- PA-DSS Requirements and Security Assessment Procedures v1.2.1
- PA-DSS Requirements and Security Assessment Procedures v2.0
- Summary of PA-DSS Changes[dead link]
- QSA Program Guide