bmad-plus 0.7.4 → 0.8.0

package/src/bmad-plus/packs/pack-shield/references/pci-compliance/pci-dss-saq-guide.md

@@ -1,217 +1,217 @@
-# PCI DSS v4.0.1 — SAQ Selection Guide
-
-Source: PCI DSS v4.0 SAQ documents (PCI Security Standards Council)
-https://www.pcisecuritystandards.org/document_library/
-
----
-
-## What is a Self-Assessment Questionnaire (SAQ)?
-
-An SAQ is a validation tool intended to assist merchants and service providers in self-evaluating their compliance with PCI DSS. There are multiple SAQ types — each designed for a specific payment channel and cardholder data environment profile. The correct SAQ type depends on **how** your organisation accepts payments and **who** handles cardholder data.
-
-Level 1 merchants and Level 1 service providers are **not eligible** for SAQs — they require an on-site Report on Compliance (ROC) completed by a Qualified Security Assessor (QSA).
-
----
-
-## SAQ Selection Decision Tree
-
-**Step 1: Are you a Level 1 Merchant or Level 1 Service Provider?**
-- Yes → ROC required (not an SAQ). Stop here.
-- No → Continue to Step 2.
-
-**Step 2: Are you a Service Provider (not a merchant)?**
-- Yes → **SAQ D for Service Providers** (unless Level 1)
-- No (Merchant) → Continue to Step 3.
-
-**Step 3: Do you accept card-present (face-to-face) transactions?**
-- Yes, using ONLY imprint machines (no electronic transactions) → **SAQ B**
-- Yes, using ONLY standalone dial-out terminals (no IP connectivity) → **SAQ B**
-- Yes, using standalone IP-connected PTS POI devices only → **SAQ B-IP**
-- Yes, using a validated P2PE solution only (PCI-listed) → **SAQ P2PE**
-- Yes, using virtual payment terminals (isolated device, web-based) → **SAQ C-VT**
-- Yes, using payment application systems connected to internet → **SAQ C**
-- Yes, with any other scenario → **SAQ D for Merchants**
-
-**Step 4: Do you accept card-not-present (CNP) — e-commerce or MOTO — only?**
-- Yes, and ALL cardholder data functions fully outsourced, no redirect control → **SAQ A**
-- Yes, e-commerce only, but you control the customer redirect to the payment page → **SAQ A-EP**
-- Yes, MOTO only with virtual payment terminals (web-based, isolated device) → **SAQ C-VT**
-- Any other CNP scenario → **SAQ D for Merchants**
-
----
-
-## SAQ Types — Full Reference
-
-### SAQ A — Fully Outsourced Card-Not-Present
-**Applies to**: E-commerce and/or MOTO (mail order/telephone order) merchants only. No card-present transactions. All cardholder data functions (storage, processing, transmission) fully outsourced to PCI DSS-compliant third-party service providers. Merchant retains no electronic cardholder data.
-
-**Requirements covered**: Subset of Req 2, 6, 8, 9, 10, 11, 12 (~22 controls)
-
-**Eligibility criteria**:
-- Cards not present at any time during the transaction
-- All payment processing delegated to a PCI-compliant third party
-- Merchant website does not directly receive cardholder data
-- No cardholder data stored, processed, or transmitted by merchant systems or premises
-
-**Examples**: Merchant uses a payment link or hosted payment page (Stripe, PayPal, Square Checkout). Customer is redirected completely to the provider's hosted page.
-
----
-
-### SAQ A-EP — E-commerce with Partial Outsourcing
-**Applies to**: E-commerce merchants ONLY. Merchant outsources payment processing but controls/influences how the customer is directed to the payment service. No card-present transactions.
-
-**Requirements covered**: Subset of Req 2, 6, 8, 9, 10, 11, 12 (~191 controls)
-
-**Eligibility criteria**:
-- E-commerce only; no card-present
-- Merchant's website includes payment page elements or partially controls redirect
-- All cardholder data capture outsourced to compliant third party
-- Merchant systems do not receive, store, process, or transmit CHD
-
-**Examples**: Merchant website uses JavaScript-based payment widgets or iFrames that embed third-party payment capture within the merchant's own page.
-
-**Key distinction from SAQ A**: SAQ A-EP requires script integrity controls (Req 6.4.3, 11.6.1) because the merchant controls the page hosting the widget.
-
----
-
-### SAQ B — Imprint Machines or Standalone Dial-Out Terminals
-**Applies to**: Merchants using ONLY imprint machines (knuckle-busters) OR standalone, dial-out (non-IP) terminals. No e-commerce.
-
-**Requirements covered**: Subset of Req 2, 8, 9, 10, 11, 12 (~41 controls)
-
-**Eligibility criteria**:
-- Transactions processed only via imprint machines or dial-out (telephone-line) terminals
-- Terminals not IP-connected and not connected to any other system in the environment
-- No electronic cardholder data stored on any computer system
-- No e-commerce
-
-**Examples**: Small retail using a standalone Dial-Up terminal or old knuckle-buster imprinter.
-
----
-
-### SAQ B-IP — Standalone IP-Connected PTS POI Devices
-**Applies to**: Merchants using ONLY standalone PTS (PIN Transaction Security) POI devices with IP connectivity. Devices must be PCI-listed PTS POI devices. No e-commerce.
-
-**Requirements covered**: Subset of Req 1, 2, 6, 8, 9, 10, 11, 12 (~83 controls)
-
-**Eligibility criteria**:
-- ONLY standalone PCI-listed PTS POI devices with IP connection used
-- Devices not connected to any other system in the merchant environment
-- No e-commerce
-
-**Examples**: Merchant using a certified IP-connected payment terminal (e.g., Ingenico, Verifone) with an IP connection but isolated from other systems.
-
----
-
-### SAQ C-VT — Virtual Payment Terminals (Web-Based)
-**Applies to**: Merchants using only web-based virtual payment terminal solutions accessed via a web browser on an isolated computing device. No e-commerce; no cardholder data electronically stored.
-
-**Requirements covered**: Subset of Req 1, 2, 6, 8, 9, 10, 11, 12 (~90 controls)
-
-**Eligibility criteria**:
-- Payment processing via web-browser virtual terminal only
-- Device used for virtual terminal is isolated and dedicated to payment processing
-- No cardholder data storage on any system
-- No card-present (physical card swiped) via this method
-- Device not connected to other systems in the environment
-
-**Examples**: MOTO merchant logs into a hosted virtual terminal (e.g., PayPal Virtual Terminal, Authorize.Net) on a dedicated PC to key-enter card details.
-
----
-
-### SAQ C — Payment Application Systems Connected to Internet
-**Applies to**: Merchants with payment application systems connected to the internet. No e-commerce. Device/application(s) not connected to other systems in the environment.
-
-**Requirements covered**: Subset of Req 1, 2, 5, 6, 8, 9, 10, 11, 12 (~160 controls)
-
-**Eligibility criteria**:
-- Payment application connected to internet (e.g., point-of-sale system with internet connectivity)
-- Not an e-commerce channel
-- Payment application not connected to other systems within the facility (segmented)
-- No electronic storage of CHD after authorisation
-
-**Examples**: Retail merchant using an internet-connected POS application (e.g., Square POS, Lightspeed) on a device isolated from other business systems.
-
----
-
-### SAQ P2PE — Validated P2PE Solution
-**Applies to**: Merchants using ONLY hardware payment terminals in a PCI-validated, PCI-listed P2PE solution. No e-commerce.
-
-**Requirements covered**: Very small subset of Req 9, 12 (~33 controls)
-
-**Eligibility criteria**:
-- ALL cardholder data captured via terminals included in a PCI-validated P2PE solution
-- P2PE solution is on the PCI SSC list of validated P2PE solutions
-- No e-commerce
-- Merchant has no access to clear-text CHD
-
-**Examples**: Merchant using a Verifone or Ingenico terminal within a certified P2PE solution (e.g., Bluefin PayConex P2PE, Worldpay Total P2PE).
-
-**Key benefit**: Dramatically reduces PCI DSS scope — merchants only attest to physical security of terminals and selecting a compliant P2PE provider.
-
----
-
-### SAQ D — All Other Merchants and Service Providers
-
-**SAQ D for Merchants**
-**Applies to**: All merchants who do not meet criteria for SAQ A, A-EP, B, B-IP, C, C-VT, or P2PE. Covers all 12 PCI DSS requirements.
-
-**Requirements covered**: All 12 requirements (~340+ controls)
-
-**Examples**: Merchants that store CHD, have complex multi-channel environments, or don't qualify for a simpler SAQ.
-
----
-
-**SAQ D for Service Providers**
-**Applies to**: All service providers eligible for SAQ validation (Level 2 service providers). Covers all 12 PCI DSS requirements.
-
-**Requirements covered**: All 12 requirements (~340+ controls, service-provider-specific questions)
-
-**Note**: Service providers have additional requirements vs merchants, particularly around Req 12.8 (TPSP management), Req 12.9 (TPSP acknowledgement), and Req 3.3.2 (SAD protection).
-
----
-
-## Report on Compliance (ROC)
-
-An ROC is required for:
-- **Level 1 Merchants**: >6 million Visa/MC transactions per year, OR any merchant that has suffered a breach that resulted in account data compromise
-- **Level 1 Service Providers**: >300,000 transactions per year OR designated by a card brand
-
-**ROC process**:
-1. Engage a Qualified Security Assessor (QSA) from the PCI SSC's list
-2. QSA performs on-site assessment against all applicable PCI DSS controls
-3. QSA completes the ROC Template (v4.0.1 template released 2024)
-4. Organisation completes the Attestation of Compliance (AOC) signed by QSA and officer
-5. Submit ROC + AOC to acquiring bank or card brand
-
----
-
-## Attestation of Compliance (AOC)
-
-The AOC is a declaration of the organisation's PCI DSS compliance status. It is:
-- Completed alongside the ROC (Level 1) or SAQ (Levels 2–4)
-- Signed by both the organisation's officer and the QSA (for ROC) or responsible officer (for SAQ)
-- Submitted annually to the acquiring bank or card brand
-- A merchant-specific or service provider-specific version exists
-
----
-
-## Approved Scanning Vendor (ASV) Scans
-
-Quarterly external vulnerability scans by an ASV are required for all merchants and service providers. An ASV is a company approved by PCI SSC to perform external network vulnerability scanning services.
-
-- Scans must result in a **passing scan** (no unresolved high-severity vulnerabilities)
-- If a scan fails, remediate and re-scan until a passing result is achieved
-- Passing scan reports must be retained for compliance evidence
-- Internal scans (Req 11.3.1) may be performed by internal staff
-
----
-
-## Qualified Security Assessor (QSA) vs Internal Security Assessor (ISA)
-
-| Role | Who | Used For |
-|------|-----|---------|
-| **QSA** | External PCI SSC-approved company | Required for ROC (Level 1); optional for SAQs to guide/verify |
-| **ISA** | Internal employee trained and certified by PCI SSC | Can perform internal assessments; cannot sign ROC for Level 1 |
-
-ISAs are useful for ongoing internal compliance monitoring and SAQ validation for Levels 2–4.
+# PCI DSS v4.0.1 — SAQ Selection Guide
+
+Source: PCI DSS v4.0 SAQ documents (PCI Security Standards Council)
+https://www.pcisecuritystandards.org/document_library/
+
+---
+
+## What is a Self-Assessment Questionnaire (SAQ)?
+
+An SAQ is a validation tool intended to assist merchants and service providers in self-evaluating their compliance with PCI DSS. There are multiple SAQ types — each designed for a specific payment channel and cardholder data environment profile. The correct SAQ type depends on **how** your organisation accepts payments and **who** handles cardholder data.
+
+Level 1 merchants and Level 1 service providers are **not eligible** for SAQs — they require an on-site Report on Compliance (ROC) completed by a Qualified Security Assessor (QSA).
+
+---
+
+## SAQ Selection Decision Tree
+
+**Step 1: Are you a Level 1 Merchant or Level 1 Service Provider?**
+- Yes → ROC required (not an SAQ). Stop here.
+- No → Continue to Step 2.
+
+**Step 2: Are you a Service Provider (not a merchant)?**
+- Yes → **SAQ D for Service Providers** (unless Level 1)
+- No (Merchant) → Continue to Step 3.
+
+**Step 3: Do you accept card-present (face-to-face) transactions?**
+- Yes, using ONLY imprint machines (no electronic transactions) → **SAQ B**
+- Yes, using ONLY standalone dial-out terminals (no IP connectivity) → **SAQ B**
+- Yes, using standalone IP-connected PTS POI devices only → **SAQ B-IP**
+- Yes, using a validated P2PE solution only (PCI-listed) → **SAQ P2PE**
+- Yes, using virtual payment terminals (isolated device, web-based) → **SAQ C-VT**
+- Yes, using payment application systems connected to internet → **SAQ C**
+- Yes, with any other scenario → **SAQ D for Merchants**
+
+**Step 4: Do you accept card-not-present (CNP) — e-commerce or MOTO — only?**
+- Yes, and ALL cardholder data functions fully outsourced, no redirect control → **SAQ A**
+- Yes, e-commerce only, but you control the customer redirect to the payment page → **SAQ A-EP**
+- Yes, MOTO only with virtual payment terminals (web-based, isolated device) → **SAQ C-VT**
+- Any other CNP scenario → **SAQ D for Merchants**
+
+---
+
+## SAQ Types — Full Reference
+
+### SAQ A — Fully Outsourced Card-Not-Present
+**Applies to**: E-commerce and/or MOTO (mail order/telephone order) merchants only. No card-present transactions. All cardholder data functions (storage, processing, transmission) fully outsourced to PCI DSS-compliant third-party service providers. Merchant retains no electronic cardholder data.
+
+**Requirements covered**: Subset of Req 2, 6, 8, 9, 10, 11, 12 (~22 controls)
+
+**Eligibility criteria**:
+- Cards not present at any time during the transaction
+- All payment processing delegated to a PCI-compliant third party
+- Merchant website does not directly receive cardholder data
+- No cardholder data stored, processed, or transmitted by merchant systems or premises
+
+**Examples**: Merchant uses a payment link or hosted payment page (Stripe, PayPal, Square Checkout). Customer is redirected completely to the provider's hosted page.
+
+---
+
+### SAQ A-EP — E-commerce with Partial Outsourcing
+**Applies to**: E-commerce merchants ONLY. Merchant outsources payment processing but controls/influences how the customer is directed to the payment service. No card-present transactions.
+
+**Requirements covered**: Subset of Req 2, 6, 8, 9, 10, 11, 12 (~191 controls)
+
+**Eligibility criteria**:
+- E-commerce only; no card-present
+- Merchant's website includes payment page elements or partially controls redirect
+- All cardholder data capture outsourced to compliant third party
+- Merchant systems do not receive, store, process, or transmit CHD
+
+**Examples**: Merchant website uses JavaScript-based payment widgets or iFrames that embed third-party payment capture within the merchant's own page.
+
+**Key distinction from SAQ A**: SAQ A-EP requires script integrity controls (Req 6.4.3, 11.6.1) because the merchant controls the page hosting the widget.
+
+---
+
+### SAQ B — Imprint Machines or Standalone Dial-Out Terminals
+**Applies to**: Merchants using ONLY imprint machines (knuckle-busters) OR standalone, dial-out (non-IP) terminals. No e-commerce.
+
+**Requirements covered**: Subset of Req 2, 8, 9, 10, 11, 12 (~41 controls)
+
+**Eligibility criteria**:
+- Transactions processed only via imprint machines or dial-out (telephone-line) terminals
+- Terminals not IP-connected and not connected to any other system in the environment
+- No electronic cardholder data stored on any computer system
+- No e-commerce
+
+**Examples**: Small retail using a standalone Dial-Up terminal or old knuckle-buster imprinter.
+
+---
+
+### SAQ B-IP — Standalone IP-Connected PTS POI Devices
+**Applies to**: Merchants using ONLY standalone PTS (PIN Transaction Security) POI devices with IP connectivity. Devices must be PCI-listed PTS POI devices. No e-commerce.
+
+**Requirements covered**: Subset of Req 1, 2, 6, 8, 9, 10, 11, 12 (~83 controls)
+
+**Eligibility criteria**:
+- ONLY standalone PCI-listed PTS POI devices with IP connection used
+- Devices not connected to any other system in the merchant environment
+- No e-commerce
+
+**Examples**: Merchant using a certified IP-connected payment terminal (e.g., Ingenico, Verifone) with an IP connection but isolated from other systems.
+
+---
+
+### SAQ C-VT — Virtual Payment Terminals (Web-Based)
+**Applies to**: Merchants using only web-based virtual payment terminal solutions accessed via a web browser on an isolated computing device. No e-commerce; no cardholder data electronically stored.
+
+**Requirements covered**: Subset of Req 1, 2, 6, 8, 9, 10, 11, 12 (~90 controls)
+
+**Eligibility criteria**:
+- Payment processing via web-browser virtual terminal only
+- Device used for virtual terminal is isolated and dedicated to payment processing
+- No cardholder data storage on any system
+- No card-present (physical card swiped) via this method
+- Device not connected to other systems in the environment
+
+**Examples**: MOTO merchant logs into a hosted virtual terminal (e.g., PayPal Virtual Terminal, Authorize.Net) on a dedicated PC to key-enter card details.
+
+---
+
+### SAQ C — Payment Application Systems Connected to Internet
+**Applies to**: Merchants with payment application systems connected to the internet. No e-commerce. Device/application(s) not connected to other systems in the environment.
+
+**Requirements covered**: Subset of Req 1, 2, 5, 6, 8, 9, 10, 11, 12 (~160 controls)
+
+**Eligibility criteria**:
+- Payment application connected to internet (e.g., point-of-sale system with internet connectivity)
+- Not an e-commerce channel
+- Payment application not connected to other systems within the facility (segmented)
+- No electronic storage of CHD after authorisation
+
+**Examples**: Retail merchant using an internet-connected POS application (e.g., Square POS, Lightspeed) on a device isolated from other business systems.
+
+---
+
+### SAQ P2PE — Validated P2PE Solution
+**Applies to**: Merchants using ONLY hardware payment terminals in a PCI-validated, PCI-listed P2PE solution. No e-commerce.
+
+**Requirements covered**: Very small subset of Req 9, 12 (~33 controls)
+
+**Eligibility criteria**:
+- ALL cardholder data captured via terminals included in a PCI-validated P2PE solution
+- P2PE solution is on the PCI SSC list of validated P2PE solutions
+- No e-commerce
+- Merchant has no access to clear-text CHD
+
+**Examples**: Merchant using a Verifone or Ingenico terminal within a certified P2PE solution (e.g., Bluefin PayConex P2PE, Worldpay Total P2PE).
+
+**Key benefit**: Dramatically reduces PCI DSS scope — merchants only attest to physical security of terminals and selecting a compliant P2PE provider.
+
+---
+
+### SAQ D — All Other Merchants and Service Providers
+
+**SAQ D for Merchants**
+**Applies to**: All merchants who do not meet criteria for SAQ A, A-EP, B, B-IP, C, C-VT, or P2PE. Covers all 12 PCI DSS requirements.
+
+**Requirements covered**: All 12 requirements (~340+ controls)
+
+**Examples**: Merchants that store CHD, have complex multi-channel environments, or don't qualify for a simpler SAQ.
+
+---
+
+**SAQ D for Service Providers**
+**Applies to**: All service providers eligible for SAQ validation (Level 2 service providers). Covers all 12 PCI DSS requirements.
+
+**Requirements covered**: All 12 requirements (~340+ controls, service-provider-specific questions)
+
+**Note**: Service providers have additional requirements vs merchants, particularly around Req 12.8 (TPSP management), Req 12.9 (TPSP acknowledgement), and Req 3.3.2 (SAD protection).
+
+---
+
+## Report on Compliance (ROC)
+
+An ROC is required for:
+- **Level 1 Merchants**: >6 million Visa/MC transactions per year, OR any merchant that has suffered a breach that resulted in account data compromise
+- **Level 1 Service Providers**: >300,000 transactions per year OR designated by a card brand
+
+**ROC process**:
+1. Engage a Qualified Security Assessor (QSA) from the PCI SSC's list
+2. QSA performs on-site assessment against all applicable PCI DSS controls
+3. QSA completes the ROC Template (v4.0.1 template released 2024)
+4. Organisation completes the Attestation of Compliance (AOC) signed by QSA and officer
+5. Submit ROC + AOC to acquiring bank or card brand
+
+---
+
+## Attestation of Compliance (AOC)
+
+The AOC is a declaration of the organisation's PCI DSS compliance status. It is:
+- Completed alongside the ROC (Level 1) or SAQ (Levels 2–4)
+- Signed by both the organisation's officer and the QSA (for ROC) or responsible officer (for SAQ)
+- Submitted annually to the acquiring bank or card brand
+- A merchant-specific or service provider-specific version exists
+
+---
+
+## Approved Scanning Vendor (ASV) Scans
+
+Quarterly external vulnerability scans by an ASV are required for all merchants and service providers. An ASV is a company approved by PCI SSC to perform external network vulnerability scanning services.
+
+- Scans must result in a **passing scan** (no unresolved high-severity vulnerabilities)
+- If a scan fails, remediate and re-scan until a passing result is achieved
+- Passing scan reports must be retained for compliance evidence
+- Internal scans (Req 11.3.1) may be performed by internal staff
+
+---
+
+## Qualified Security Assessor (QSA) vs Internal Security Assessor (ISA)
+
+| Role | Who | Used For |
+|------|-----|---------|
+| **QSA** | External PCI SSC-approved company | Required for ROC (Level 1); optional for SAQs to guide/verify |
+| **ISA** | Internal employee trained and certified by PCI SSC | Can perform internal assessments; cannot sign ROC for Level 1 |
+
+ISAs are useful for ongoing internal compliance monitoring and SAQ validation for Levels 2–4.