Pci dss

PCI DSS Assessment

Assess Payment Card Industry Data Security Standard (PCI DSS) compliance for "$ARGUMENTS". Determine SAQ type, assess the 12 requirements, and identify scope reduction opportunities.

Prerequisites

Read .metapowers/compliance/$ARGUMENTS/00-scope.md. If this file does not exist, tell the user:

Phase 0 (Scope) has not been completed for "$ARGUMENTS". Run /compliance:regulatory-landscape $ARGUMENTS first, or use --skip-checks to bypass.

If --skip-checks is present in $ARGUMENTS, skip this check.

Process

1. Read context files:

   • Read plugins/compliance/shared/grc-lifecycle-guide.md for GRC methodology reference
   • Read plugins/compliance/shared/assessment-template.md for output structure
   • Read .metapowers/compliance/$ARGUMENTS/00-scope.md for scope and control framework context

2. SAQ type determination:

   • Assess payment processing model and cardholder data flow
   • Determine applicable SAQ: A (card-not-present, fully outsourced), A-EP (e-commerce with partial outsourcing), B (imprint/standalone terminals), C (payment application connected to internet), D (all others), P2PE (validated P2PE merchants)
   • Evaluate merchant level (1-4) based on transaction volume
   • Document SAQ type and merchant level with rationale

3. Scope assessment:

   • Identify all systems that store, process, or transmit cardholder data (CHD)
   • Map the Cardholder Data Environment (CDE)
   • Identify connected-to and security-impacting systems
   • Assess network segmentation effectiveness
   • Document in-scope systems, applications, and network segments

4. 12 requirements assessment:

   • Req 1: Network security controls — firewall/network security device configuration, CDE isolation
   • Req 2: Secure configurations — vendor default passwords removed, system hardening standards
   • Req 3: Protect stored account data — data retention policies, rendering PAN unreadable, key management
   • Req 4: Encrypt transmission — strong cryptography for CHD over open/public networks
   • Req 5: Anti-malware — malware protection on all systems, anti-malware mechanisms current
   • Req 6: Secure development — secure SDLC, patch management, web application security (WAF)
   • Req 7: Restrict access — need-to-know access control, access control systems
   • Req 8: Identify users — unique IDs, MFA for CDE access, strong authentication policies
   • Req 9: Physical security — physical access controls to CDE, visitor management, media security
   • Req 10: Logging and monitoring — audit trails, log review, time synchronization, SIEM
   • Req 11: Security testing — vulnerability scans (ASV quarterly), penetration testing, IDS/IPS, file integrity monitoring
   • Req 12: Security policies — information security policy, risk assessment, security awareness, incident response
   • Score each requirement: in place / in place with remediation / not in place / not applicable

5. Scope reduction opportunities:

   • Evaluate tokenization feasibility (replace CHD with tokens)
   • Assess Point-to-Point Encryption (P2PE) validated solutions
   • Review outsourcing options for payment processing
   • Evaluate network segmentation improvements
   • Identify quick wins for reducing in-scope systems

6. Write the artifact to .metapowers/compliance/$ARGUMENTS/01-assess/pci-dss.md following the assessment template structure with:

   • SAQ Determination — SAQ type and merchant level with rationale
   • Scope Definition — CDE map, in-scope systems, segmentation assessment
   • 12 Requirements Assessment — scoring per requirement with sub-requirement detail
   • Scope Reduction Opportunities — tokenization, P2PE, outsourcing options
   • ASV and Penetration Testing Status — current scan and test coverage
   • Evidence Inventory — existing evidence and evidence gaps
   • Remediation Priorities — ranked list of gaps to address

Output

The PCI DSS assessment written to .metapowers/compliance/$ARGUMENTS/01-assess/pci-dss.md. Present a summary to the user highlighting:

• SAQ type and merchant level determination
• Overall compliance score across 12 requirements
• Scope reduction opportunities with estimated effort savings
• Top 3 gaps requiring remediation