Payment Card Compliance

PCI-DSS
Penetration Testing

Meet PCI-DSS 4.0 compliance requirements with professional penetration testing for e-commerce and retail businesses. Compliance-ready reports addressing payment card security. 5-day turnaround from $2,500.

PCI-DSS 4.0 Penetration Testing Requirements

PCI-DSS explicitly requires annual penetration testing. Version 4.0 strengthened these requirements with enhanced scope and methodology expectations.

PCI-DSS Requirement 11.3

Requirement 11.3 mandates annual penetration testing of your Cardholder Data Environment (CDE) and all systems connected to it. Testing must be conducted by a qualified external testing firm (QSEF).

  • Annual penetration testing required
  • External network testing mandatory
  • Internal network testing required
  • Application security assessment
  • Wireless network assessment

Regulatory Enforcement

Payment card brands (Visa, Mastercard, American Express) actively enforce PCI-DSS compliance. Businesses that fail PCI compliance assessments face fines, merchant account termination, and the inability to process credit cards.

  • Card brand audit penalties
  • Monthly fines ($5K-$100K+)
  • Merchant account suspension
  • Business continuity risk

Breach Prevention

Penetration testing identifies vulnerabilities in payment systems before attackers exploit them. The cost of a payment card breach (legal, notification, remediation) far exceeds the cost of proactive testing and remediation.

  • Prevent payment card theft
  • Avoid breach notification costs
  • Protect customer trust
  • Reduce fraud liability

Business Continuity

If you accept credit cards, payment processing is critical to your business. Demonstrating PCI compliance helps maintain your merchant account and protects your ability to process customer payments year-round.

  • Maintain merchant account
  • Enable credit card processing
  • Meet payment processor requirements
  • Qualify for renewal

What Trident Shell Tests for PCI-DSS Compliance

Comprehensive assessment of your Cardholder Data Environment and all systems that could impact payment card security.

Cardholder Data Environment (CDE) Assessment

We identify systems that store, process, or transmit payment card data and conduct targeted penetration testing of those systems. This includes point-of-sale (POS) systems, payment gateways, databases, and backup systems.

  • Payment processing systems
  • POS terminal security
  • Payment gateway integration
  • Database and backup security
  • Cardholder data storage verification

Network Segmentation & Access Controls

PCI-DSS requires network segmentation to isolate the CDE from untrusted networks. We verify that your segmentation is effective and that access controls prevent unauthorized access to payment systems.

  • Network firewall configuration
  • Segmentation effectiveness testing
  • Access control validation
  • Wireless network security
  • VPN and remote access testing

Authentication & User Access

We test user authentication systems to ensure that only authorized personnel can access payment systems. This includes testing for weak password policies, multi-factor authentication bypass, and privilege escalation vulnerabilities.

  • Default credential identification
  • Authentication bypass testing
  • Privilege escalation attempts
  • Account lockout mechanisms
  • MFA implementation verification

Encryption & Data Protection

PCI-DSS requires encryption of cardholder data in transit and at rest. We verify that your encryption implementation is strong and that sensitive card data is properly protected throughout its lifecycle.

  • SSL/TLS implementation assessment
  • Database encryption verification
  • Unencrypted data detection
  • Key management assessment
  • Secure transmission testing

Logging & Monitoring

PCI-DSS requires comprehensive logging of access to cardholder data systems. We verify that your logging and monitoring systems are capturing critical events and that alerts are configured appropriately.

  • Log generation verification
  • Log protection and integrity
  • Monitoring system testing
  • Alert configuration
  • Log retention compliance

System Security & Patch Management

We identify vulnerabilities in payment systems, assess patch currency, and verify that security controls are preventing exploitation of known vulnerabilities.

  • Vulnerability identification
  • Patch currency assessment
  • Security configuration review
  • Malware detection testing
  • Antivirus effectiveness

PCI-DSS Penetration Testing Process

Comprehensive testing aligned with PCI-DSS requirements and industry-standard penetration testing methodology.

01

CDE Mapping

We identify all systems in your Cardholder Data Environment and assess the scope of systems that must be included in penetration testing.

02

External Testing

Assessment of internet-facing systems including payment gateways, web applications, and e-commerce platforms for vulnerabilities accessible from outside your network.

03

Internal Testing

Assessment of internal networks to identify lateral movement opportunities and test access controls protecting payment systems from internal threats.

04

Wireless Testing

Assessment of wireless networks to ensure that Wi-Fi systems don't provide unauthorized access to payment systems or customer data.

05

Documentation & Reporting

Comprehensive report documenting findings, CVSS scoring, remediation guidance, and compliance status with respect to PCI-DSS requirements.

What You Receive From Trident Shell

Compliance-ready documentation for your PCI-DSS assessment and merchant account files.

Penetration Test Report

Professional assessment document addressing PCI-DSS Requirement 11.3 requirements. Includes testing methodology, findings summary, CVSS scoring, and remediation recommendations.

  • PCI-DSS requirement mapping
  • CDE assessment coverage
  • Vulnerability scoring
  • Remediation guidance

Compliance Documentation

Documentation suitable for submission to your acquiring bank or qualified security assessor (QSA). Includes testing scope, methodology, and findings summary in the format payment processors expect.

  • QSA-compliant format
  • Testing methodology document
  • Scope definition
  • Findings summary

Consultation & Remediation Planning

Post-assessment consultation to discuss findings, remediation priorities, and timeline for addressing vulnerabilities. We help you develop a remediation plan that satisfies PCI auditor expectations.

  • Findings discussion
  • Remediation planning
  • Priority categorization
  • Timeline development

Follow-Up Verification (Optional)

After remediation, we can conduct follow-up testing to verify that identified vulnerabilities have been fixed and document remediation completion for your merchant account file.

  • Re-assessment of findings
  • Remediation verification
  • Updated compliance status
  • Progress documentation

PCI-DSS Penetration Testing Pricing

Straightforward pricing for e-commerce and retail businesses. Annual testing maintains your PCI compliance status year-round.

$2,500

Standard PCI-DSS Penetration Test

  • External payment system testing
  • Web application security assessment
  • Internal network penetration testing
  • Wireless network assessment
  • CDE access control testing
  • Encryption & data protection verification
  • PCI-DSS Requirement 11.3 compliance report
  • QSA-compliant documentation
  • 90-minute consultation call
  • 5-day turnaround guarantee

Timeline

  • Day 1: Scope and coordination
  • Days 2-3: Testing execution
  • Days 4-5: Analysis and reporting
  • Day 5: Delivery & consultation

Annual Compliance

  • PCI requires annual testing
  • Schedule each calendar year
  • Remediation between tests
  • Optional follow-up verification

Your Annual PCI-DSS Compliance Timeline

Schedule testing early in the year to allow time for remediation before your merchant account renewal.

Recommended Annual Schedule

  • Q1: Conduct penetration test (Jan-Mar)
  • Q2: Remediation efforts (Apr-Jun)
  • Q3: Optional follow-up verification testing (Jul-Sep)
  • Q4: Complete QSA assessment if required, maintain compliance documentation (Oct-Dec)

This timeline ensures that you complete penetration testing well before your merchant account renewal period, leaving adequate time for remediation and follow-up verification if needed. It also demonstrates proactive security management to your acquiring bank.

Common PCI-DSS Penetration Testing Questions

Everything you need to know about payment card security testing.

Is penetration testing required for PCI compliance?

Yes. PCI-DSS Requirement 11.3 explicitly requires annual penetration testing of your Cardholder Data Environment. If you accept credit cards, penetration testing is not optional — it's a compliance mandate.

What happens if we don't complete penetration testing?

Your merchant account is at risk. Payment card brands (Visa, Mastercard, etc.) enforce PCI compliance. Non-compliance can result in fines ($5K-$100K+ monthly), increased processing fees, or merchant account suspension, preventing you from processing credit cards entirely.

Can testing disrupt my payment processing?

We coordinate with your team to minimize disruption. Most testing is non-destructive and scheduled during low-traffic periods. We provide detailed scope in advance so you can plan with your operations team and notify your payment processor if needed.

Does this count toward my PCI assessment?

Our penetration testing fulfills PCI-DSS Requirement 11.3. If you're required to undergo a full QSA assessment (Qualified Security Assessor), our pentest documentation supports that assessment. Many smaller merchants only need annual penetration testing, not a full QSA assessment.

What if critical vulnerabilities are found?

We'll document everything clearly and provide remediation guidance. Critical findings related to payment processing typically need urgent attention, while high and medium findings get addressed within defined timelines. Optional follow-up testing verifies remediation effectiveness.

Who is qualified to conduct PCI testing?

According to PCI-DSS, testing must be conducted by a qualified external tester. Our testing is conducted by Miguel, who holds OSCP and CRTO certifications and meets industry standards for qualified penetration testing professionals.

Can we use an old penetration test for PCI compliance?

No. PCI-DSS requires annual testing, meaning you need a current assessment from the same calendar year. Using old reports could result in compliance violations and put your merchant account at risk.

Is there a Business Associate Agreement needed?

For penetration testing services, a BAA is typically not required since we don't have ongoing access to your payment processing systems. However, we can discuss security and confidentiality agreements as appropriate for your needs.

Schedule Your PCI-DSS Penetration Test

Meet PCI-DSS Requirement 11.3 with professional penetration testing. Annual assessment, compliance documentation, from $2,500. 5-day turnaround.

Qualified Tester

OSCP-certified professional for PCI compliance

Payment-Focused

Specialized in e-commerce and payment systems

Compliance-Ready

Documentation meets acquiring bank requirements

Contact Us for a Quote