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small businesses drive our global economy they are also appealing targets for fraudsters because they typically have little or no security knowledge and few if any controls in place for this reason it's critical that the payment applications they use don't introduce additional risk when building payment applications developers play an important role in helping merchants minimize the risk of compromises including safeguarding the storage of sensitive data and assuring compliance with best practices for industry security standards if recent trends and data compromises are any indication the need for payment application developers to adopt these best practices has never been greater in this module you will learn about important payment industry security standards which are a critical step in assuring that your clients have a solid foundation for accepting secure payments first let's examine the required standards the first standard is the payment card industry data security standard or PCI DSS PCI DSS is the global data security standard that businesses of all sizes must adhere to in order to accept payment cards PCI DSS details the requirements for processing transmitting and storing cardholder data the second standard is the payment application data security standard or PA DSS PA DSS helps software vendors and others develop secure payment applications that do not store sensitive data all card brands require that all merchants remain PCI compliant this means working with PA DSS compliant applications or PCI DSS compliant custom development let's look at each of these standards in more detail merchants are responsible for complying with all rules regulations and industry standards concerning the secure handling of cardholder data this applies to all steps in the payment process including transmission and storage of the data PCI DSS was established and is maintained by the PCI security standards Council a body comprised of global payment brands and strategic members that oversee all aspects of PCI DSS as a developer it's critical that you learn and understand PCI DSS requirements knowing what is required of merchants will help you better develop secure solutions for your clients even if you are not developing the payment part of a merchant solution there are still portions of PCI DSS that you must adhere to to learn more we suggest you review the PCI DSS quick reference guide on the PCI security standards council website located at PCI security standards org the payment application data security standard or PA DSS is an additional standard administered by the PCI security standards Council PA DSS applies specifically to software developers and integrators who distribute payment applications PA DSS should be used as a baseline standard for development of all payment applications if your application will store process or transmit cardholder data in any manner you must comply with this standard card brands require that merchants use compliant applications your application can be validated with the PCI counsel and listed on their website as validated applications or ones that are PA DSS compliant custom development must be certified as PCI DSS compliant secure payment applications when properly implemented following PA DSS best practices minimize the potential for data security breaches and help prevent the potentially damaging fraud which often results to learn more review the PA DSS requirements on the PCI security council website at WWDC org please note that authorized.net plays no role in the establishment or enforcement of PCI DSS or PA DSS requirements questions regarding PCI DSS or PA DSS should be directed to the PCI security standards Council or a qualified security Assessor or a payment application qualified security Assessor will talk more about security assessments and validating compliance later in this video developers should review the payment card industry security standards Council PCI DSS ecommerce guidelines the guidelines include an overview of typical ecommerce components and common implementations in addition they provide high-level PCI DSS scoping guidance for these implementations developers should carefully review the PCI DSS ecommerce guide section on common vulnerabilities in e-commerce environments in particular special emphasis should be given to the top three coding practices that lead to insecure integrations Injection flaws cross-site scripting and cross-site request forgery sequel injection flaws are exploited by sending a rogue sequel command to a website's back-end database while mitigating sequel vulnerabilities only require simple prudent coding practices sequel injection continues to be one of the most common methods by which ecommerce websites are compromised cross-site scripting is also the result of poor validation practices it allows an attacker to place code in the victims browser that hijacks the browser session and redirects the victim to a malicious web site cross-site request forgery is when a website exploit allows unauthorized commands to be transmitted to a website the forged command then appears legitimate to the website this is a common method used for online identity theft the PCI DSS ecommerce guidelines document is available on the PCI security standards council website be sure to carefully read and implement the guidelines and follow them closely when building your payment application integrations authorized Nets robust api's help merchants comply with a range of PCI DSS requirements including offering developers a variety of payment customization and data storage options as a developer your role is to clearly understand your merchants business and security requirements and apply the appropriate security and integration methods that will comply with PCI DSS and PA DSS standards in addition to the information you will find at the PCI Security Council website there are several other useful resources available regarding web security the open web application security project or a wasp is one such resource a wasp is a worldwide not-for-profit organization focused on improving the security of software learn more at a wasp org the Visa card holder information security program maintains a website with multiple resources for merchants and developers it offers alerts bulletins and webinars to help developers better understand their responsibilities related to securing cardholder data this website is also where visa issues security alerts when vulnerabilities are detected in the marketplace visit visas data security website at visa comm / CI SP just as authorized.net plays no role in the establishment or enforcement of PCI DSS or PA DSS regulations authorized.net also does not play any role in validating a specific merchants PCI DSS compliance a qualified security Assessor or qsa is a data security firm that has been trained and is certified by the PCI security standards Council to perform on-site security assessments for verification of compliance with PCI DSS to find Q SAS recommended by authorized net please visit the merchants toolbox at authorize.net /q sa this concludes this section of the authorized net certified developer training