What to Look for in a PCI DLP Solution?

Strac has developed SaaS and Endpoint DLP (Data Loss Prevention) solutions that are adept at discovering, classifying, and remediating sensitive data like cardholder/PCI data. Additionally, Strac ensures the security of sensitive card information on backend servers with its advanced tokenization technology. More insights about Strac's approach to protecting sensitive data like PII and credit card information can be found at their blog: Strac's blog on protecting sensitive data.

If you're seeking guidance on understanding PCI DSS, its applicability to your business, and how to achieve PCI compliance, this blog will be a valuable resource.

What is PCI DSS?

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security requirements designed to protect CHD (Card Holder Data) and sensitive authentication data (SAD) from unauthorized access, leakage, or misuse. Compliance with PCI DSS is critical for businesses handling payment transactions, and Data Loss Prevention (DLP) solutions play a crucial role in ensuring adherence. The standard is governed by the PCI Security Standards Council, founded by major financial brands such as Visa and MasterCard. The Council's website offers extensive resources and guidance for companies working towards PCI compliance.

This blog post explores the key PCI DSS requirements where a DLP solution like Strac can help automate security, reduce compliance risk, and prevent data breaches.

Why is PCI DLP Essential?

A PCI-compliant DLP solution helps organizations:

✅ Prevent accidental exposure of payment data via emails, chat, or cloud storage.
✅ Detect and block unauthorized file uploads containing CHD to non-compliant locations.
✅ Ensure proper encryption and redaction of PAN (Primary Account Number) and sensitive data.
✅ Monitor and log access to CHD (Card Holder Data) to detect insider threats and data exfiltration.

Strac’s agentless DLP for SaaS, cloud DLP, and endpoint DLP provides end-to-end protection for PCI-regulated data across email, cloud storage, endpoints, and chat applications.

📸✨PCI DSS Requirements Where DLP is Needed

1. Protect Stored Cardholder Data (PCI DSS Requirement 3)

🔹 Key Controls:

• 3.1: Retain cardholder data only if necessary and securely delete it when no longer needed.
• 3.2: Do not store sensitive authentication data after authorization.
• 3.3: Mask PAN when displayed, ensuring only authorized personnel can view it.
• 3.4: Render PAN unreadable (e.g., encryption, tokenization, redaction).

🔹 How Strac Helps:

‍✅ Automatic PAN Redaction: Strac’s DLP automatically redacts PANs in emails, chat, and cloud storage to prevent unauthorized exposure.
✅ Cloud DLP for SaaS & Cloud Storage: Prevents unauthorized storage of CHD in Google Drive, OneDrive, or Dropbox.
✅ Real-time Data Scanning: Monitors stored data for unencrypted PANs and applies remediation actions.

2. Encrypt Transmission of Cardholder Data (PCI DSS Requirement 4)

🔹 Key Controls:

• 4.1: Use strong encryption (TLS, IPSec) to transmit CHD across public networks.
• 4.2: Do not send unencrypted PAN via email, chat, or messaging services.

🔹 How Strac Helps:

‍✅ Email DLP (O365, Gmail): Blocks or encrypts outgoing emails containing PANs before they are sent.
✅ Chat DLP (Slack, Microsoft Teams): Detects and prevents CHD sharing in collaboration tools.
✅ Automated Policy Enforcement: Ensures PAN is never transmitted in unapproved channels.

3. Restrict Access to Cardholder Data (PCI DSS Requirement 7)

🔹 Key Controls:

• 7.1: Implement role-based access control (RBAC) and least privilege.
• 7.2: Enforce policies to restrict access based on business need-to-know.
• 7.3: Prevent unauthorized access to stored CHD.

🔹 How Strac Helps:

‍✅ Data Access Control: Strac’s DLP policies prevent unauthorized users from downloading, copying, or sharing CHD.
✅ Role-Based DLP Policies: Only authorized personnel can view or process payment data.
✅ Visibility & Alerts: Get alerts when CHD is accessed or shared in violation of policies.

4. Logging and Monitoring of Cardholder Data (PCI DSS Requirement 10)

🔹 Key Controls:

• 10.1: Implement logging to track access to CHD.
• 10.2: Log all user activities related to CHD (file access, downloads, transfers).
• 10.3: Retain logs for forensic analysis.
• 10.5: Secure logs against tampering.

🔹 How Strac Helps:

✅ Automated Alerts: Detects and reports unauthorized data movements.

5. Preventing Unauthorized Data Exfiltration (PCI DSS Requirement 11 & 12)

🔹 Key Controls:

• 11.4: Deploy intrusion detection/prevention systems (IDS/IPS) to monitor for unauthorized data access.
• 11.5: Implement file integrity monitoring (FIM) to detect unauthorized changes.
• 12.3: Restrict unauthorized data transfers via removable media or cloud applications.
• 12.10: Maintain an incident response plan for data breaches.

🔹 How Strac Helps:

‍✅ Endpoint DLP (Windows, macOS, Linux): Prevents file uploads containing CHD to unapproved websites or USB devices.

What Constitutes the 12 PCI DSS Compliance Requirements?

The PCI DSS compliance requirements encompass a range of operational and technical measures, all aimed at the fundamental goal of protecting cardholder information.

1. Setting Up and Upkeeping Firewalls: Firewalls serve as a defensive measure, preventing unauthorized and unrecognized entities from accessing company data.
2. Updating Vendor-Provided Passwords and Enhancing Password Security: Default passwords that come with third-party hardware and software need to be changed as per PCI DSS. Companies should also adopt robust password management practices, including regular password changes, unique passwords for each account/device, and creating hard-to-guess passwords.
3. Protection of Cardholder Information: PCI DSS outlines specific guidelines for the storage of cardholder data, necessitating encryption using designated algorithms and also encryption of the encryption keys. Regular audits are required to identify any unencrypted primary account numbers (PAN).
4. Encryption of Data in Transit: Given the multiple stages of payment processing, it is crucial to encrypt cardholder data when it is being transmitted, and this should only occur to verified locations.
5. Implementation of Anti-Virus Software: Installing and maintaining anti-virus software on all devices that handle PAN data is a basic yet essential requirement under PCI DSS, which also mandates regular updates to this software.
6. Regular Software Updates: To address vulnerabilities as they are discovered, PCI DSS requires regular updates and patching of security software on devices involved in storing, processing, or transmitting cardholder data.
7. Restricted Data Access Based on Necessity: Access to cardholder data should be limited to only those employees who need it for their job duties. Companies must adhere to the principles of least privilege and zero trust, and maintain detailed records of who has access to what data.
8. Individual User IDs for Data Access: Each user accessing cardholder data must have a unique login, with the sharing of login credentials being prohibited.
9. Controlled Physical Access to Cardholder Data: Physical storage locations for cardholder data should be secure, with access granted only to authorized individuals.
10. Maintenance of Access Logs: Companies are required to document each instance of access to cardholder data and PAN, noting who accessed what data and when. Automated systems can be crucial in meeting this requirement efficiently.
11. Routine Vulnerability Scanning: Regular scans to detect vulnerabilities in software, networks, and applications are mandated, along with periodic manual penetration testing.
12. Documentation of Policies and Procedures: A detailed record of the flow of cardholder data and an inventory of all equipment and software involved in the handling of this data is necessary. These records should be supplemented by logs monitoring employee access to data, both physically and digitally.

These 12 requirements are integral to achieving PCI DSS compliance, each contributing to the overarching goal of ensuring the security and integrity of cardholder data.

📸✨What to Look for in a PCI DLP Solution

A PCI-compliant DLP (Data Loss Prevention) solution should help businesses prevent unauthorized access, storage, and transmission of cardholder data (CHD) while ensuring compliance with PCI DSS requirements. Below are the key capabilities to look for when selecting a PCI DLP solution:

1️⃣ Automated Discovery & Classification of Cardholder Data

✔️ Scans and classifies CHD (e.g., PAN, CVV, expiration date) across storage, emails, chat, and endpoints
✔️ Identifies unencrypted and improperly stored PANs in databases, files, and cloud services
✔️ Context-aware detection to reduce false positives (e.g., recognizing actual credit card numbers vs. random numbers)

2️⃣ PAN Redaction & Masking for Compliance

✔️ Automatically redacts full PANs when displayed or stored in logs, emails, reports, and cloud documents
✔️ Enforces masking policies (e.g., showing only the last four digits) to meet PCI DSS Requirement 3.3
✔️ Prevents accidental sharing of PANs in chat messages and collaboration tools

3️⃣ Secure Transmission & Prevention of Unauthorized Data Sharing

✔️ Detects and blocks unencrypted PANs in emails, chat, and file transfers (PCI DSS Requirement 4.2)
✔️ Prevents sensitive data exposure in cloud storage (e.g., Google Drive, OneDrive, Dropbox)
✔️ Enforces email security policies by blocking or encrypting CHD before it is sent

4️⃣ Role-Based Access Controls (RBAC) & Least Privilege Enforcement

✔️ Implements access controls to ensure only authorized personnel can view or process CHD
✔️ Enforces role-based policies to restrict CHD access based on business need-to-know (PCI DSS Requirement 7)
✔️ Provides granular permissions for different user roles and groups

5️⃣ Real-Time Monitoring & Alerts for PCI DSS Auditing

✔️ Logs all CHD access, sharing, and modification events for compliance reporting (PCI DSS Requirement 10)
✔️ Provides audit-ready logs that meet PCI DSS logging and tracking requirements
✔️ Sends real-time alerts for unauthorized file transfers, downloads, or attempted exfiltration

6️⃣ Endpoint DLP to Prevent Data Leakage from Devices

✔️ Blocks file uploads containing PANs on browsers, cloud apps, and USB devices
✔️ Prevents copy-paste or screen capturing of CHD on endpoints
✔️ Monitors local file storage to detect CHD on employee laptops/desktops

7️⃣ Cloud & SaaS Application DLP

✔️ Protects PCI-regulated data in SaaS apps like Salesforce, Jira, ServiceNow, and Zendesk
✔️ Detects PANs stored in unapproved cloud locations and applies remediation
✔️ Supports CASB-like controls to enforce security policies on cloud apps

8️⃣ Automated Remediation & Incident Response

✔️ Detects unauthorized access, modification, or transfer of CHD and triggers alerts
✔️ Supports automated blocking, redaction, and encryption of sensitive data
✔️ Provides PCI-compliant workflows to mitigate incidents and prevent breaches

9️⃣ Customizable PCI DSS Policies & Compliance Reporting

✔️ Pre-built DLP templates for PCI DSS compliance (e.g., detecting PAN, CVV, expiry dates)
✔️ Customizable rules and policies based on organizational risk tolerance
✔️ Automated compliance reports for audits and regulatory reviews

In summary, Strac’s SaaS + Cloud + Gen AI Endpoint DLP solutions offer a comprehensive, efficient, and automated approach to achieving PCI DSS compliance, ensuring your organization's data is secure and your compliance needs are met.