Compliance Critical

PCI-DSS Compliant Data Migration Checklist

Complete compliance checklist for secure payment data migration. Ensure Level 1 PCI-DSS compliance, avoid $500K monthly fines, and protect cardholder data with AI-powered automated controls.

$500K
Monthly fine for non-compliance (Level 1)
100%
Automated compliance validation
12
PCI-DSS requirements covered

PCI-DSS Non-Compliance Penalties

Level 1 Merchants (6M+ transactions/year)
$5,000 - $500,000 per month in fines
Data Breach Costs
Average $4.35M per breach (IBM 2024)
Card Brand Penalties
Visa/Mastercard can revoke processing privileges
Reputational Damage
65% of customers stop doing business after breach

Complete PCI-DSS Migration Checklist

Requirement 1-2: Network Security

Firewall Configuration
AI validates migration occurs within secure network segments with proper firewall rules
Default Credentials Removed
Automated detection and removal of vendor-supplied defaults before migration
Network Segmentation
Cardholder data environment (CDE) isolated from other systems during migration

Requirement 3-4: Data Protection

Encryption at Rest (AES-256)
All cardholder data encrypted in source, transit, and destination databases
Encryption in Transit (TLS 1.3)
End-to-end encryption during data transfer with certificate validation
PAN Masking
Primary Account Numbers masked (show only last 4 digits) in logs and reports
Key Management
Automated key rotation and secure key storage with HSM integration
Data Retention Policy
Automated purging of cardholder data beyond retention requirements

Requirement 5-6: Security Systems

Malware Protection
Anti-malware scanning of all migration files and data streams
Secure Development
Migration scripts follow secure coding guidelines with automated vulnerability scanning
Patch Management
All systems involved in migration have latest security patches applied

Requirement 7-9: Access Control

Role-Based Access Control (RBAC)
Need-to-know access with automated permission validation
Unique User IDs
Every person with access has unique credentials tracked in audit logs
Physical Access Controls
Data center access logged and restricted during migration
Multi-Factor Authentication
MFA required for all remote access to CDE during migration

Requirement 10-12: Monitoring & Testing

Comprehensive Audit Logging
All access to cardholder data logged with tamper-proof timestamps
Log Retention (1 Year)
Automated log archival with 3 months immediately available
Security Testing
Quarterly vulnerability scans and annual penetration testing
Security Policy
Documented migration security policy reviewed annually
Incident Response Plan
Automated breach detection with 24/7 response team

AI-Powered Compliance Automation

Automated Compliance Validation

AI agents continuously validate all 12 PCI-DSS requirements throughout the migration process, automatically flagging and remediating non-compliant configurations.

  • Real-time compliance monitoring
  • Automated remediation of violations
  • Compliance report generation

Audit Trail Generation

Comprehensive audit trails automatically generated for QSA (Qualified Security Assessor) review, including all data access, modifications, and security events.

  • Immutable audit logs
  • QSA-ready compliance reports
  • Evidence collection automation

People Also Ask

What happens if we fail PCI-DSS compliance during migration?

Level 1 merchants face $5,000-$500,000 monthly fines, potential loss of card processing privileges, and mandatory forensic audits. DataMigration.AI prevents this with automated compliance validation that ensures 100% adherence to all 12 PCI-DSS requirements throughout the migration.

How long does PCI-DSS compliant migration take?

Traditional compliant migrations take 4-8 months due to manual security controls and validation. DataMigration.AI completes PCI-DSS compliant migrations in 2-4 weeks with automated encryption, access controls, and continuous compliance monitoring.

Do we need a QSA to validate the migration?

Yes, Level 1 merchants require annual QSA validation. DataMigration.AI generates comprehensive audit trails, compliance reports, and evidence packages that streamline QSA review, reducing assessment time by 60% and ensuring first-time pass rates.

Can we migrate payment data to the cloud while staying PCI compliant?

Yes, cloud migrations can be PCI compliant when using certified cloud providers (AWS, Azure, GCP) with proper controls. DataMigration.AI ensures cloud migrations meet all PCI-DSS requirements including encryption, network segmentation, and access controls.

What's the cost of PCI-DSS compliant migration?

Traditional compliant migrations cost $200K-$800K due to manual security implementation and validation. DataMigration.AI reduces costs by 70% through automated compliance controls, completing migrations for $60K-$240K while maintaining full PCI-DSS adherence.

Ensure PCI-DSS Compliance in Your Migration

Avoid $500K monthly fines and protect cardholder data with automated PCI-DSS compliance validation. Get a compliant migration plan in 24 hours.