Question

Type of SAQ? Merchants using only web-based virtual payment terminals, with no electronic cardholder data storage. Not applicable to e-commerce channels.

Answer 1

The type of SAQ being referred to is SAQ A-EP, which is designed for merchants using web-based virtual payment terminals without electronic cardholder data storage. It is applicable to businesses that process transactions using virtual terminals or point-of-sale systems, but not to e-commerce channels.

Step-by-step explanation:

The type of SAQ being referred to in this question is the SAQ A-EP (Self-Assessment Questionnaire A-EP). SAQ A-EP is a self-assessment questionnaire designed for merchants who only use web-based virtual payment terminals, do not store electronic cardholder data, and do not have e-commerce channels.

This type of SAQ is applicable to businesses that process transactions using virtual terminals or point-of-sale systems where cardholder data is entered manually, but not applicable to e-commerce channels where cardholder data is stored.

The question refers to one of the Self-Assessment Questionnaires (SAQs) that merchants are required to complete as part of their compliance with the Payment Card Industry Data Security Standard (PCI DSS). Specifically, this questionnaire pertains to merchants that process payment cards exclusively through web-based virtual terminals and do not store electronic cardholder data after processing.

These merchants are not using e-commerce channels for transactions; instead, they rely solely on virtual terminals for payment processi

Merchants falling under this category must adhere to strict security requirements to ensure the safety and security of cardholder data

Answer 2

The type of Self-Assessment Questionnaire (SAQ) applicable for merchants solely using web-based virtual payment terminals without electronic cardholder data storage and not involved in e-commerce channels is SAQ A.

Step-by-step explanation:

SAQ A is designed for merchants that don't store electronic cardholder data and solely utilize web-based virtual payment terminals without involving e-commerce channels. It's intended for entities with minimal card data handling and reduced PCI DSS compliance requirements. This questionnaire verifies compliance with basic security controls and is relatively shorter compared to other SAQ types.

Merchants using only web-based virtual payment terminals are limited in their card data exposure, as they don't store any sensitive cardholder information. Therefore, SAQ A is appropriate as it focuses on verifying the presence of necessary security measures like firewall protection, secure network configuration, and adherence to secure practices. The questionnaire includes questions related to safeguarding systems and restricting access to cardholder data.

By not storing cardholder data, these merchants significantly reduce their PCI DSS compliance scope, simplifying their obligations to maintain security standards. SAQ A helps confirm adherence to necessary security practices without burdening such merchants with extensive compliance requirements, allowing them to focus on their business operations while ensuring a basic level of data security for payment transactions.