How SpinOne Helps You Meet PCI DSS Compliance

Meeting compliance with PCI DSS is one of the greatest annual challenges faced by security and compliance teams in organizations that collect, store, or process payment card data. SaaS environments can become accidental repositories for PCI data, with documents, emails, records, and chats created and used by employees as they perform daily tasks that may require them to use and even share this information with one another. 

SpinOne offers powerful, automated security controls to help support compliance in SaaS environments like Google Workspace™, Microsoft 365, Slack, and Salesforce. 

Monitoring and Logging Requirements 

PCI DSS v4.0.1 mandates thorough logging and monitoring of all access to system components and cardholder data, with automated log reviews and real-time alerts as crucial components (Requirement 10). Additionally, organizations are required to monitor security configurations for any signs of change that could put cardholder data at risk (Requirement 6). SpinOne’s comprehensive monitoring and SIEM integration capabilities directly support these critical compliance requirements.

SpinOne addresses this through:

• Granular Risk Assessment: Scans over 400,000 OAuth Apps and Browser Extensions for potential security vulnerabilities.
• Misconfiguration Management: Identifies and remediates security misconfigurations that could impact cryptographic controls.
• Comprehensive Access Logging: Records and examines all access to system components and cardholder data, tracking network resource access and data interactions.
• SIEM Integration via API: Integrates with existing SIEM systems to provide automated log reviews and detect suspicious activities.
• Real-Time Monitoring and Alerts: Provides continuous monitoring of SaaS environments with automated incident detection and real-time security alerts.
• 12-Month Log Retention: Can be configured to retain logs for the required minimum 12-month period with immediate access to the first three months of logs.
• Automated Security Monitoring: Uses automated tools to detect key monitoring areas including failed login attempts, privilege changes, unauthorized access attempts, and unusual system activity.
• Daily and Periodic Log Reviews: Supports automated daily reviews of audit logs for critical systems and risk-based periodic reviews for other systems.
• Protected Log Data: Ensures logs are protected with strong encryption and access controls to prevent unauthorized access and tampering.
• Multi-Factor Authentication Logging: Logs and monitors MFA events for accessing cardholder data environments and administrative roles.
• Password Policy Monitoring: Tracks password-related events and policy compliance including failed authentication attempts.
• Incident Response Integration: 2-hour incident response SLA enables swift, automated responses to potential ransomware threats identified through AI-powered log analysis.
• SaaS Security Posture Management (SSPM): Provides continuous monitoring and assessment of security configurations.
• Automated Access Monitoring: Logs and monitors all access to system components and cardholder data in scope through audit controls.

Data Retention and Disposal Requirements

PCI DSS v4.0.1 mandates specific data retention and disposal requirements to minimize storage of account data and implement secure deletion processes when cardholder data is no longer needed. SpinOne’s data lifecycle management and eDiscovery capabilities provide comprehensive support for these critical compliance requirements.

SpinOne addresses this through:

• Data Minimization Policies: Automated backup and retention policies can be configured to minimize storage of account data and align with defined retention periods.
• Secure Data Deletion: Implements secure deletion processes to render cardholder data unrecoverable when retention periods expire.
• Administrator-Controlled Retention Periods: Allows administrators to define specific retention periods with documented business justifications for stored cardholder data.
• Automated Retention Management: Can automatically enforce retention policies and disposal procedures to ensure data doesn’t exceed defined retention periods.
• Quarterly Verification Support: Provides reporting and monitoring capabilities to verify at least every three months that stored account data exceeding retention periods has been securely deleted.
• Encrypted Data Lifecycle: Maintains robust encryption and key management throughout the entire data lifecycle for backed-up and archived data, from storage through secure disposal.
• Documentation and Audit Trails: Comprehensive logging and reporting capabilities support documentation requirements for data retention and disposal policies, procedures, and processes.
• Searchable Archive Management: eDiscovery capability enables administrators to easily locate and manage archived data for retention compliance.
• Secure Disposal Verification: Provides audit trails and verification processes to confirm secure deletion or rendering data unrecoverable.
• Log Retention Compliance: Supports the requirement to retain audit trail logs for at least one year with 90-day online availability through configurable retention policies.
• Policy Enforcement: Automated policy enforcement ensures consistent application of data retention and disposal procedures across all SaaS environments.

Enhanced Access Controls

PCI DSS v4.0.1 significantly strengthens access control requirements, mandating multi-factor authentication for all non-console access to cardholder data environments and implementing strict password policies. 

SpinOne addresses this through:

• Access Authorization and Management: Allows user to identify data that was intentionally or unintentionally shared with external entities and provides the capability to immediately terminate such access. Additionally, SpinOne allows customers to disable Google login and use SpinOne login credentials in combination with 2FA, protecting the organization’s sensitive data when their Google account has been compromised.
• Granular Access Controls: Allows users to restrict access to cardholder data stored in SaaS environment to only those individuals with legitimate business need.
• Automated Access Monitoring: Logs and monitors all access to system components and cardholder data in scope through audit controls.

Data Retention and eDiscovery

PCI DSS v4.0.1 requires secure handling of cardholder data throughout its lifecycle, including proper retention and disposal procedures. SpinOne’s eDiscovery capability supports these data lifecycle management requirements, helping organizations meet PCI DSS compliance even during storage and eDiscovery processes.

SpinOne addresses this through:

• Secure Data Archiving: Archives user account data when employees change roles or leave, maintaining security controls throughout retention periods.
• Administrator-Controlled Retention: Allows administrators to set retention periods that align with PCI DSS data retention requirements.
• Searchable Compliance Data: Makes archived data easily searchable for audit purposes and compliance verification.
• Secure Data Disposal: Supports proper data lifecycle management including secure disposal when retention periods expire.
• Encrypted Long-Term Storage: Maintains the same encryption standards for archived data as active cardholder data

Data Leak Prevention (DLP) & Policy-Based Controls 

PCI DSS v4.0.1requires organizations to maintain confidentiality of cardholder data, restrict access by business need, and maintain data security policies. (Requirements 3, 7,  and 12.) 

SpinOne addresses this through:

• Data Leak and Loss Prevention: Detects and alerts anytime PCI data is downloaded, shared, sent, or received, helping to enforce data security policies to support meeting PCI DSS requirements
• Access Authorization and Management: SpinOne solution allows customers to identify data that was intentionally or unintentionally shared with external entities and provides the capability to immediately terminate such access. Additionally, SpinOne allows customers to disable Google login and use SpinOne login credentials in combination with 2FA, protecting the organization’s sensitive data when their Google account has been compromised.
• Granular Access Controls: Allows SpinOne users to restrict access to cardholder data stored in SaaS environment to only those individuals with legitimate business need

Ransomware Detection & Rapid Recovery  

PCI DSS v4.0.1 requires organizations to maintain an information security policy and risk management program, perform incident response, and conduct regular testing and monitoring for all activities affecting cardholder data (Requirements 10, 11, and 12.).

SpinOne addresses this through:

• Incident Response Integration: 2-hour incident response SLA enables swift, automated responses to potential ransomware threats identified through AI-powered log analysis
• Malware Protection: Ransomware Detection & Response (RDR) capabilities protect against malicious software attacks that could compromise cardholder data systems
• Automated Response: 2-hour incident response SLA enables rapid response to security incidents that could affect network integrity.
• Regular Security Testing: Continuous security monitoring for changes to SaaS security settings and assessment capabilities for applications and extensions connected to SaaS environments that may store cardholder data support regular testing requirements for systems handling CDH.

SaaS Security Posture Management (SSPM) 

PCI DSS v4.0.1 requires organizations to implement secure configuration, access restrictions, and user identification (Requirements 2, 7, and 8). Additionally, organizations must manage third-party vendor risk and gives the framework for enforcing shadow IT governance (Requirement 12).

SpinOne Addresses This Through:

• SaaS Security Posture Management (SSPM): Provides continuous monitoring and assessment of security configurations
• Continuous Monitoring: Monitors for changes to security settings and configurations

Third-Party Risk and Shadow IT Oversight 

PCI DSS v4.0.1 requires organizations to manage vulnerabilities and third-party risks, as well as follow the principles of least privilege (Requirements 6 and 7). 

SpinOne addresses this through:

• Shadow IT Access Prevention: Gains visibility into and assesses risk of unauthorized apps or extensions that may attempt to access cardholder data.
• Third-Party Risk Management: Monitors connected applications and extensions for potential security risks.
• Granular Risk Assessment: Scans over 400,000 OAuth Apps and Browser Extensions for potential security vulnerabilities.

Backup Integrity and Availability 

PCI DSS v4.0.1 requires organizations to maintain information security policies that ensure data availability and resilience (Requirement 12).  

SpinOne addresses this through:

• Secure Data Archiving: Archives user account data when employees change roles or leave, maintaining security controls throughout retention periods.
• Administrator-Controlled Retention: Allows administrators to set retention periods that align with PCI DSS data retention requirements.
• Encrypted Long-Term Storage: Maintains the same encryption standards for archived data as active cardholder data.

Protecting Stored Cardholder Data 

PCI DSS v4.0.1 mandates strong cryptography and file / database-level encryption to protect cardholder data at rest, moving beyond disk-level encryption to more granular protection (Requirement 3). SpinOne’s encryption and data protection capabilities align with these enhanced security requirements for data backups both while at rest and in transit.

SpinOne addresses this at a platform level, where backed up data is stored, through:

• Top-level 256-bit AES Encryption: Meets the requirement for strong cryptography with at least 128-bit key strength for protecting cardholder data at rest.
• File and Database-Level Protection: SaaS-specific encryption goes beyond disk-level encryption to protect individual files and database records at rest in backed up and archived data.
• Key Management: Robust encryption key management practices for generation, storage, distribution, and destruction.
• Secure Data Storage: Multiple data storage locations with consistent encryption across all backup and archived data.
• Data Minimization Support: Automated backup policies can be configured to align with minimum storage requirements for cardholder data.
• Role-Based Access Management: Supports formal access control policies and procedures for user access, authentication, and authorization for SaaS environments.

Additionally, the SpinOne Platform helps organizations to protect cardholder data stored in their SaaS environment.

• Data Leak and Loss Prevention: Detects and alerts anytime PCI data is downloaded, shared, sent, or received, helping to enforce data security policies to support meeting PCI DSS requirements.
• Masked Data Display: Data leak prevention capabilities can help ensure PANs are properly masked when displayed during admin use of the SpinOne platform.

Schedule a personalized SpinOne demo to see how SaaS security and data protection with  automated logging, DLP, eDiscovery, and rapid ransomware response help you meet PCI DSS v4.0.1 with confidence.

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