PCI-DSS-v3_2_1-SAQ-A.docx

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire A and Attestation of Compliance

Card-not-present Merchants,
All Cardholder Data Functions Fully Outsourced
For use with PCI DSS Version 3.2.1
June 2018

Document Changes

Date PCI DSS Version SAQ Revision Description
October 2008 1.2 To align content with new PCI DSS v1.2 and to implement minor changes noted since original v1.1.
October 2010 2.0 To align content with new PCI DSS v2.0 requirements and testing procedures.
February 2014 3.0 To align content with PCI DSS v3.0 requirements and testing procedures and incorporate additional response options.
April 2015 3.1 Updated to align with PCI DSS v3.1. For details of PCI DSS changes, see PCI DSS-Summary of Changes from PCI DSS Version 3.0 to 3.1.
July 2015 3.1 1.1 Updated version numbering to align with other SAQs.
April 2016 3.2 1.0 Updated to align with PCI DSS v3.2. For details of PCI DSS changes, see PCI DSS-Summary of Changes from PCI DSS Version 3.1 to 3.2.
January 2017 3.2 1.1 Updated Document Changes to clarify requirements added in the April 2016 update. Added note to Before You Begin section to clarify intent of inclusion of PCI DSS Requirements 2 and 8.
June 2018 3.2.1 1.0 Updated to align with PCI DSS v3.2.1. For details of PCI DSS changes, see PCI DSS-Summary of Changes from PCI DSS Version 3.2 to 3.2.1.
Added Requirement 6.2 from PCI DSS v3.2.1.

Before You Begin

SAQ A has been developed to address requirements applicable to merchants whose cardholder data functions are completely outsourced to validated third parties, where the merchant retains only paper reports or receipts with cardholder data.

SAQ A merchants may be either e-commerce or mail/telephone-order merchants (card-not-present) and do not store, process, or transmit any cardholder data in electronic format on their systems or premises.

SAQ A merchants confirm that, for this payment channel:

Additionally, for e-commerce channels:

This SAQ is not applicable to face-to-face channels. This shortened version of the SAQ includes questions that apply to a specific type of small merchant environment, as defined in the above eligibility criteria. If there are PCI DSS requirements applicable to your environment that are not covered in this SAQ, it may be an indication that this SAQ is not suitable for your environment. Additionally, you must still comply with all applicable PCI DSS requirements in order to be PCI DSS compliant.

Note: For this SAQ, PCI DSS Requirements that address the protection of computer systems apply to e-commerce merchants that redirect customers from their website to a third party for payment processing, and specifically to the merchant web server upon which the redirection mechanism is located. Mail order/telephone order (MOTO) or e-commerce merchants that have completely outsourced all operations and therefore do not have any systems in scope for this SAQ, would consider these requirements to be “not applicable.”

PCI DSS Self-Assessment Completion Steps

  1. Identify the applicable SAQ for your environment—refer to the Self-Assessment Questionnaire Instructions and Guidelines document on PCI SSC website for information.

  2. Confirm that your environment is properly scoped and meets the eligibility criteria for the SAQ you are using (as defined in Part 2g of the Attestation of Compliance).

  3. Assess your environment for compliance with applicable PCI DSS requirements.

  4. Complete all sections of this document:

  1. Submit the SAQ and Attestation of Compliance (AOC), along with any other requested documentation—such as ASV scan reports—to your acquirer, payment brand or other requester.

Understanding the Self-Assessment Questionnaire

The questions contained in the "PCI DSS Question" column in this self-assessment questionnaire are based on the requirements in the PCI DSS. Additional resources that provide guidance on PCI DSS requirements and how to complete the self-assessment questionnaire have been provided to assist with the assessment process. An overview of some of these resources is provided below:

Document Includes:
PCI DSS (PCI Data Security Standard Requirements and Security Assessment Procedures) Guidance on Scoping
Guidance on the intent of all PCI DSS Requirements
Details of testing procedures
Guidance on Compensating Controls
SAQ Instructions and Guidelines documents Information about all SAQs and their eligibility criteria
How to determine which SAQ is right for your organization
PCI DSS and PA-DSS Glossary of Terms, Abbreviations, and Acronyms Descriptions and definitions of terms used in the PCI DSS and self-assessment questionnaires

These and other resources can be found on the PCI SSC website (www.pcisecuritystandards.org). Organizations are encouraged to review the PCI DSS and other supporting documents before beginning an assessment.

Expected Testing

The instructions provided in the “Expected Testing” column are based on the testing procedures in the PCI DSS and provide a high-level description of the types of testing activities that should be performed in order to verify that a requirement has been met. Full details of testing procedures for each requirement can be found in the PCI DSS.

Completing the Self-Assessment Questionnaire

For each question, there is a choice of responses to indicate your company’s status regarding that requirement. Only one response should be selected for each question.

A description of the meaning for each response is provided in the table below:

Response When to use this response:
Yes The expected testing has been performed, and all elements of the requirement have been met as stated.
Yes with CCW(CompensatingControl Worksheet) The expected testing has been performed, and the requirement has been met with the assistance of a compensating control. All responses in this column require completion of a CompensatingControl Worksheet (CCW) in Appendix B of the SAQ.
No Some or all elements of the requirement have not been met, or are in the process of being implemented, or require further testing before it will be known if they are in place.
N/A(Not Applicable) The requirement does not apply to the organization’s environment. All responses in this column require a supporting explanation in Appendix C of the SAQ.

Guidance for Non-Applicability of Certain, Specific Requirements

If any requirements are deemed not applicable to your environment, select the “N/A” option for that specific requirement, and complete the “Explanation of Non-Applicability” worksheet in Appendix C for each “N/A” entry.

Legal Exception

If your organization is subject to a legal restriction that prevents the organization from meeting a PCI DSS requirement, check the “No” column for that requirement and complete the relevant attestation in Part 3.

Section 1: Assessment Information

Instructions for Submission

This document must be completed as a declaration of the results of the merchant’s self-assessment with the Payment Card Industry Data Security Standard Requirements and Security Assessment Procedures (PCI DSS). Complete all sections: The merchant is responsible for ensuring that each section is completed by the relevant parties, as applicable. Contact acquirer (merchant bank) or the payment brands to determine reporting and submission procedures.

Part 1. Merchant and Qualified Security Assessor Information

Part 1a. Merchant Organization Information
Company Name: Pantas Software Sdn Bhd DBA (doing business as): Pantas
Contact Name: Arman Iskandar Title: Company Representative
Telephone: E-mail: info@pantas.com
Business Address: A-12-5 Vertical Business Suites, 8 Jalan Kerinchi City: Bangsar South
State/Province: Kuala Lumpur Country: Malaysia Zip: 59200
URL: https://pantas.com
Part 1b. Qualified Security Assessor Company Information (if applicable)
Company Name:
Lead QSA Contact Name: Title:
Telephone: E-mail:
Business Address: City:
State/Province: Country: Zip:
URL:

Part 2. Executive Summary

Part 2a. Type of Merchant Business(check all that apply)
Retailer Telecommunication Grocery and Supermarkets
Petroleum E-Commerce Mail order/telephone order(MOTO)
Others(please specify):
What types of payment channels does your business serve? Which payment channels are covered by this SAQ?
Mail order/telephone order(MOTO) E-Commerce Card-present(face-to-face)
Mail order/telephone order(MOTO) E-Commerce Card-present(face-to-face)
Note:If your organization has a payment channel or process that is not covered by this SAQ, consult your acquirer or payment brand about validation for the other channels.
Part 2b. Description of Payment Card Business
How and in what capacity does your business store, process and/or transmit cardholder data? We do not store, process and/or transmit cardholder data at our website.

Part 2c. Locations

List types of facilities (for example, retail outlets, corporate offices, data centers, call centers, etc.) and a summary of locations included in the PCI DSS review.

Type of facility Number of facilities of this type Location(s) of facility (city, country)
Example: Retail outlets 3 Boston, MA, USA
N/A

Part 2d. Payment Application

Does the organization use one or more Payment Applications? ☐ Yes ✓ No
Provide the following information regarding the Payment Applications your organization uses:

Payment Application Name Version Number Application Vendor Is application PA-DSS Listed? PA-DSS Listing Expiry date (if applicable)
N/A ☐ Yes ☐ No

Part 2e. Description of Environment

Part 2e. Description of Environment
Provide a high-level description of the environment covered by this assessment. For example:
• Connections into and out of the cardholder data environment(CDE).
• Critical system components within the CDE, such as POS devices, databases, web servers, etc., and any other necessary payment components, as applicable. Our customers dispatch all cardholder data securely to our third part payment solution. Our company’s servers receive an opaque token object, from which the original cardholder data cannot be derived.
Does your business use network segmentation to affect the scope of your PCI DSS environment?
Part 2. Executive Summary(continued)
Part 2f. Third-Party Service Providers
Does your company use a Qualified Integrator & Reseller (QIR)?
If Yes:
Name of QIR Company:
QIR Individual Name:
Description of services provided by QIR:
Does your company share cardholder data with any third-party service providers (for example, Qualified Integrator & Resellers (QIR), gateways, payment processors, payment service providers (PSP), web-hosting companies, airline booking agents, loyalty program agents, etc.)?
If Yes:
Name of service provider:
Note: Requirement 12.8 applies to all entities in this list.

| Part 2g. Eligibility to Complete SAQ A Merchant certifies eligibility to complete this shortened version of the Self-Assessment Questionnaire because, for this payment channel: | | | | | ✓ | Merchant accepts only card-not-present (e-commerce or mail/telephone-order) transactions); | | | | ✓ | All processing of cardholder data is entirely outsourced to PCI DSS validated third-party service providers; | | | | ✓ | Merchant does not electronically store, process, or transmit any cardholder data on merchants systems or premises, but relies entirely on a third party(s) to handle all these functions; | | | | ✓ | Merchant has confirmed that all third party(s) handling storage, processing, and/or transmission of cardholder data are PCI DSS compliant; and | | | | ✓ | Any cardholder data the merchant retains is on paper (for example, printed reports or receipts), and these documents are not received electronically. | | | | ✓ | Additionally, for e-commerce channels: All elements of the payment page(s) delivered to the consumer’s browser originate only and directly from a PCI DSS validated third-party service provider(s). | | |

Section 2: Self-Assessment Questionnaire A

Note: The following questions are numbered according to PCI DSS requirements and testing procedures, as defined in the PCI DSS Requirements and Security Assessment Procedures document.

Build and Maintain a Secure Network and Systems

Self-assessment completion date:

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

PCI DSS Question Expected Testing Response(Check one response for each question)
PCI DSS Question Expected Testing Yes Yes with CCW No N/A
2.1 (a) Are vendor-supplied defaults always changed before installing a system on the network? ·Review policies and procedures.
·Examine vendor documentation.
·Observe system configurations and account settings.
·Interview personnel. √ □ □ □
2.1 (b) Are unnecessary default accounts removed or disabled before installing a system on the network? ·Review policies and procedures.
·Review vendor documentation.
·Examine system configurations and account settings.
·Interview personnel. √ □ □ □

Maintain a Vulnerability Management Program

Requirement 6: Develop and maintain secure systems and applications

PCI DSS Question Expected Testing Response(Check one response for each question)
PCI DSS Question Expected Testing Yes Yes with CCW No N/A
6.2 (a) Are all system components and software protected from known vulnerabilities by installing applicable vendor-supplied security patches? Review policies and procedures. √ □ □ □
6.2 (b) Are critical security patches installed within one month of release? Review policies and procedures. Examine system components. Compare list of security patches installed to recent vendor patch lists. √ □ □ □

Implement Strong Access Control Measures

Requirement 8: Identify and authenticate access to system components

PCI DSS Question Expected Testing Response(Check one response for each question)
PCI DSS Question Expected Testing Yes Yes with CCW No N/A
8.1.1 Are all users assigned a unique ID before allowing them to access system components or cardholder data? ·Review password procedures.
·Interview personnel. √ □ □ □
8.1.3 Is access for any terminated users immediately deactivated or removed? ·Review password procedures.
·Examine terminated users accounts.
·Review current access lists.
·Observe returned physical authentication devices. √ □ □ □
8.2 In addition to assigning a unique ID, is one or more of the following methods employed to authenticate all users?
·Something you know, such as a password or passphrase
·Something you have, such as a token device or smart card
·Something you are, such as a biometric ·Review password procedures.
·Observe authentication processes. √ □ □ □
8.2.3 (a) Are user password parameters configured to require passwords/passphrases meet the following?
·A minimum password length of at least seven characters
·Contain both numeric and alphabetic characters ·Examine system configuration settings to verify password parameters. √ □ □ □
8.5 Are group, shared, or generic accounts, passwords, or other authentication methods prohibited as follows:

Requirement 9: Restrict physical access to cardholder data

PCI DSS Question Expected Testing Response(Check one response for each question)
PCI DSS Question Expected Testing Yes Yes with CCW No N/A
9.5 Are all media physically secured (including but not limited to computers, removable electronic media, paper receipts, paper reports, and faxes)? ·Review policies and procedures for physically securing media.
·Interview personnel. □ □ □ √
9.6 (a) Is strict control maintained over the internal or external distribution of any kind of media? ·Review policies and procedures for distribution of media. □ □ □ √
9.6 (b) Do controls include the following:
9.6.1 Is media classified so the sensitivity of the data can be determined? ·Review policies and procedures for media classification.
·Interview security personnel. □ □ □ √
9.6.2 Is media sent by secured courier or other delivery method that can be accurately tracked? Interview personnel.
Examine media distribution tracking logs and documentation. √
9.6.3 Is management approval obtained prior to moving the media (especially when media is distributed to individuals)? Interview personnel.
Examine media distribution tracking logs and documentation. √
9.7 Is strict control maintained over the storage and accessibility of media? Review policies and procedures. √
9.8 (a) Is all media destroyed when it is no longer needed for business or legal reasons? Review periodic media destruction policies and procedures. √
9.8 (c) Is media destruction performed as follows:
9.8.1 (a) Are hardcopy materials cross-cut shredded, incinerated, or pulped so that cardholder data cannot be reconstructed? Review periodic media destruction policies and procedures. √
9.8.1 (b) Are storage containers used for materials that contain information to be destroyed secured to prevent access to the contents? Examine security of storage containers. √

Maintain an Information Security Policy

Requirement 12: Maintain a policy that addresses information security for all personnel

Note: For the purposes of Requirement 12, “personnel” refers to full-time part-time employees, temporary employees and personnel, and contractors and consultants who are “resident” on the entity’s site or otherwise have access to the company’s site cardholder data environment.

PCI DSS Question Expected Testing Response(Check one response for each question)
PCI DSS Question Expected Testing Yes Yes with CCW No N/A
12.8 Are policies and procedures maintained and implemented to manage service providers with whom cardholder data is shared, or that could affect the security of cardholder data, as follows:
12.8.1 Is a list of service providers maintained, including a description of the service(s) provided? ·Review policies and procedures.
·Observe processes.
·Review list of service providers. √ □ □ □
12.8.2 Is a written agreement maintained that includes an acknowledgement that the service providers are responsible for the security of cardholder data the service providers possess or otherwise store, process, or transmit on behalf of the customer, or to the extent that they could impact the security of the customer’s cardholder data environment? ·Observe written agreements.
·Review policies and procedures. √ □ □ □
12.8.3 Is there an established process for engaging service providers, including proper due diligence prior to engagement? ·Observe processes.
·Review policies and procedures and supporting documentation. √ □ □ □
12.8.4 Is a program maintained to monitor service providers' PCI DSS compliance status at least annually? Observe processes.
Review policies and procedures and supporting documentation. √ □ □ □
12.8.5 Is information maintained about which PCI DSS requirements are managed by each service provider, and which are managed by the entity? Observe processes.
Review policies and procedures and supporting documentation. √ □ □ □
12.10.1 (a) Has an incident response plan been created to be implemented in the event of system breach? Review the incident response plan. √ □ □ □

Appendix A: Additional PCI DSS Requirements

Appendix A1: Additional PCI DSS Requirements for Shared Hosting Providers

This appendix is not used for merchant assessments.

Appendix A2: Additional PCI DSS Requirements for Entities using SSL/early TLS for Card-Present POS POI Terminal Connections

This appendix is not used for SAQ A merchant assessments

Appendix A3: Designated Entities Supplemental Validation (DESV)

This Appendix applies only to entities designated by a payment brand(s) or acquirer as requiring additional validation of existing PCI DSS requirements. Entities required to validate to this Appendix should use the DESV Supplemental Reporting Template and Supplemental Attestation of Compliance for reporting, and consult with the applicable payment brand and/or acquirer for submission procedures.

Appendix B: Compensating Controls Worksheet

Use this worksheet to define compensating controls for any requirement where “YES with CCW” was checked.
Note: Only companies that have undertaken a risk analysis and have legitimate technological or documented business constraints can consider the use of compensating controls to achieve compliance.

Requirement Number and Definition:

Information Required Explanation
1. Constraints List constraints precluding compliance with the original requirement.
2. Objective Define the objective of the original control; identify the objective met by the compensating control.
3. Identified Risk Identify any additional risk posed by the lack of the original control.
4. Definition of Compensating Controls Define the compensating controls and explain how they address the objectives of the original control and the increased risk, if any.
5. Validation of Compensating Controls Define how the compensating controls were validated and tested.
6. Maintenance Define process and controls in place to maintain compensating controls.

Appendix C: Explanation of Non-Applicability

If the “N/A” (Not Applicable) column was checked in the questionnaire, use this worksheet to explain why the related requirement is not applicable to your organization.

Requirement Reason Requirement is Not Applicable
Example:
3.4 Cardholder data is never stored electronically
9.x No physical media accepts or retains payment card data

Section 3: Validation and Attestation Details

Part 3. PCI DSS Validation
This AOC is based on results noted in SAQ A (Section 2), dated (SAQ completion date). Based on the results documented in the SAQ A noted above, the signatories identified in Parts 3b-3d, as applicable, assert(s) the following compliance status for the entity identified in Part 2 of this document:(check one):
√ Compliant: All sections of the PCI DSS SAQ are complete, all questions answered affirmatively, resulting in an overall COMPLIANT rating; thereby (Pantas Software Sdn Bhd) has demonstrated full compliance with the PCI DSS.
□ Non-Compliant: Not all sections of the PCI DSS SAQ are complete, or not all questions are answered affirmatively, resulting in an overall NON-COMPLIANT rating, thereby (Merchant Company Name) has not demonstrated full compliance with the PCI DSS. Target Date for Compliance: An entity submitting this form with a status of Non-Compliant may be required to complete the Action Plan in Part 4 of this document. Check with your acquirer or the payment brand(s) before completing Part 4.
□ Compliant but with Legal exception: One or more requirements are marked “No” due to a legal restriction that prevents the requirement from being met. This option requires additional review from acquirer or payment brand. If checked, complete the following:
Affected Requirement Details of how legal constraint prevents requirement being met
Part 3a. Acknowledgement of Status
Signatory(s) confirms:(Check all that apply)
√ PCI DSS Self-Assessment Questionnaire A, Version (version of SAQ), was completed according to the instructions therein.
√ All information within the above-referenced SAQ and in this attestation fairly represents the results of my assessment in all material respects.
√ I have confirmed with my payment application vendor that my payment system does not store sensitive authentication data after authorization.
√ I have read the PCI DSS and I recognize that I must maintain PCI DSS compliance, as applicable to my environment, at all times.
√ If my environment changes, I recognize I must reassess my environment and implement any additional PCI DSS requirements that apply.
Part 3b. Merchant Attestation
Arman Iskandar
Signature of Merchant Executive Officer Date:
Merchant Executive Officer Name: Arman Iskandar
Part 3c. Qualified Security Assessor (QSA) Acknowledgement(if applicable)
If a QSA was involved or assisted with this assessment, describe the role performed:
Signature of Duly Authorized Officer of QSA Company
Duly Authorized Officer Name:
Part 3d. Internal Security Assessor (ISA) Involvement(if applicable)
If an ISA(s) was involved or assisted with this assessment, identify the ISA personnel and describe the role performed:

1 Data encoded in the magnetic stripe or equivalent data on a chip used for authorization during a card-present transaction. Entities may not retain full track data after transaction authorization. The only elements of track data that may be retained are primary account number (PAN), expiration date, and cardholder name.

2 The three- or four-digit value printed by the signature panel or on the face of a payment card used to verify card-not-present transactions.

3 Personal identification number entered by cardholder during a card-present transaction, and/or encrypted PIN block present within the transaction message.