Payment Card Industry (PCI) Data Security Standards Practice Test

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What types of payment applications does PA DSS apply to?

  1. Applications developed in-house by an entity to manage their storage of cardholder data during authorization

  2. Applications offered as an online "software as a service" subscription

  3. Applications individually designed and customized for each customer

  4. Applications that are typically sold and installed "off the shelf"

The correct answer is: Applications that are typically sold and installed "off the shelf"

The Payment Application Data Security Standard (PA DSS) applies specifically to applications that are typically sold and installed "off the shelf." This category includes widely available software solutions that merchants commonly purchase to facilitate payment processing. The intent of PA DSS is to ensure that these types of applications are developed in a secure manner in order to protect cardholder data while processing payments. "Off the shelf" applications are pre-built software packages that are not uniquely customized for individual organizations but are designed to work for a broad array of customers. This standardization allows for consistent application of security protocols and makes it easier to assess compliance with the necessary security measures outlined in PA DSS. In contrast, other options like applications developed in-house or those that are highly customized for individual customers may not meet PA DSS requirements as directly. These applications might present unique challenges regarding validation and compliance since they can vary significantly from one implementation to another, possibly leading to security gaps if not properly designed and assessed. Furthermore, "software as a service" offerings usually requires adherence to different types of standards, like the Cloud Security Alliance's guidelines rather than PA DSS, focusing more on service provider responsibilities than on payment application integrity itself. Thus, the "off the shelf" application context is the most relevant and fitting for

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