PCI compliance isn’t an option for merchants who process credit cards and store cardholder information. The credit card associations require merchants to securely handle this information at all times. Merchants who fail to comply with PCI requirements can expect large fines, which can also result in canceling their ability to process payments. PCI compliance requires merchants to safeguard their customers’ payment card information. This means following security requirements that include policies and procedures, software design, and network architecture.


There are two ways in which Magento helps merchants:

First, Magento Commerce (Cloud) is PCI certified as a Level 1 Solution Provider, so any merchants using Magento Commerce (Cloud) can use Magento’s PCI Attestation of Compliance to aid their own PCI certification process.

Second, Magento makes PCI compliance easier by offering integrated payment gateways that allow merchants to securely transmit credit card data via direct post API methods or with hosted payment forms provided by the payment gateway and integrated with the merchant’s checkout pages. The Direct Post method allows for information to be sent directly to the payment gateway without sensitive data flowing through or stored on the Magento application server. The Hosted payment forms allow merchants to offer a seamless checkout as well by integrating the payment forms into checkout but with the form hosted by the payment gateway rather than by the Magento application server. By keeping sensitive data outside of the Magento Application server, this enables updates to the core Magento eCommerce application with new marketing, merchandising and content management capabilities, without having to go through PCI compliance re-assessment of the entire Magento eCommerce platform. As a result of these integration options, Magento merchants are able to validate for compliance via self assessment at the SAQ A or SAQ A-EP level rather than the more difficult SAQ D level.


The major credit card companies created the PCI Data Security Standard (PCI DSS) to make sure merchants adopt critical security measures. There are 12 requirements for meeting the PCI DSS, broken into 6 groups:

Build and Maintain a Secure Network 

REQUIREMENT 1: Install and maintain a firewall configuration to protect cardholder data

REQUIREMENT 2: Do not use vendor-supplied defaults for system passwords and other security parameters

Protect Cardholder Data

REQUIREMENT 3: Protect stored cardholder data

REQUIREMENT 4: Encrypt transmission of cardholder data across open, public networks

Maintain a Vulnerability Management Program

REQUIREMENT 5: Use and regularly update anti-virus software

REQUIREMENT 6: Develop and maintain secure systems and applications

Implement Strong Access Control Measures

REQUIREMENT 7: Restrict access to cardholder data by business need-to-know

REQUIREMENT 8: Assign a unique ID to each person with computer access

REQUIREMENT 9: Restrict physical access to cardholder data

Regularly Monitor and Test Network

REQUIREMENT 10: Track and monitor all access to network resources and cardholder data

REQUIREMENT 11: Regularly test security systems and processes

Maintain an Information Security Policy

REQUIREMENT 12: Maintain a policy that addresses information security

For more information on PCI Compliance please visit the PCI Security Standards Council website.