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Complying with MasterCard's new PCI Level 2 assessment requirements

Expert Mike Chapple breaks down how Level 2 merchants can comply with MasterCard's new requirement for PCI self-assessments.

I saw your answer on PCI Level 2 self-assessments, and I had a follow-up question: Doesn't MasterCard require that an ISA fill out the PCI self-assessment for a Level 2 merchant? If so, how do we deal with that?

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You're correct about the MasterCard Inc. requirement. As of July 2012, MasterCard began offering PCI Level 2 merchants two options for completing their annual PCI compliance assessment.

The first option is that Level 2 merchants may, if they choose to, hire a Qualified Security Assessor (QSA) to complete their annual assessment. The QSA will issue a report on compliance (ROC), just as they would for a Level 1 merchant, and submit it to the organization's merchant bank. This option may be desirable for merchants who border on Level 1 status and wish to have an ROC in hand. It also may be useful for merchants who do not have an Internal Security Assessor (ISA) on staff and do not wish to invest in the training required to certify a staff member as an ISA. The downside with this approach, of course, is that hiring a QSA to complete a ROC can be a very expensive undertaking.

The second option available to Level 2 merchants is to continue to perform a self-assessment, as done previously. However, as you point out, there's a new twist: The individual(s) performing the assessment must attend the PCI Security Standard Council's ISA training program (online or in person) and pass the certification exam. This program is $1,495 for PCI SSC Participating Organizations and $2,595 for nonmembers. Current ISAs must take an annual online refresher course for $995.

The bottom line is that merchants classified as Level 2 by MasterCard now have one extra hoop to jump through. The quickest way to satisfy the requirement is to grit your teeth, shell out a couple thousand dollars and send a member of your team to ISA training.

This was first published in February 2013

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