Jscrambler Introduces the PCI DSS Quick Start Program

As the deadline for PCI DSS v4 compliance is approaching, companies that rely on online payment pages to bring in revenue start to feel the pressure of finding a solution quickly and fulfilling compliance requirements 6.4.3 and 11.6.1 without expending internal resources. 

With simplicity and efficiency in mind, Jscrambler developed a PCI DSS Quick Program aimed at removing obstacles to PCI DSS compliance for Merchants and removing the stress of finding an appropriate solution that is reliable and cost-effective. The changes in version 4.0.1 of the Standard only confirmed the necessity of keeping a close eye on the vendor inventory and having an alert mechanism in place for monitoring changes. 

5 Areas of Focus to Accelerate Efficient Compliance

The PCI DSS Quick Start Program consists of the following areas that ensure fast onboarding and continuous compliance. 

Payment Page Inventory Report (Prepare)

One of the core parts of the new requirements is keeping a vendor inventory: “An inventory of all scripts is maintained with written business or technical justification as to why each is necessary.” To help merchants prepare and gain visibility of vendors present on their payment pages, Jscrambler offers a free Payment Page Analysis Report. It is a one-time upfront analysis of your payment page inventorying every script present, while also detailing which scripts are accessing sensitive data and exfiltrating data to external IP addresses, domains, and vendor sites. 

Every report is delivered within 48 hours of the request to help prepare for ongoing compliance. 

This is designed as the first step as there is no commitment and no contract is required. Anyone can benefit from this Jscrambler tool. 

This is an example report that gives an overview of vendors present on the payment page with more details in the Diagnosis section.

Unified Hybrid Architecture (Deploy)

After clarifying which vendors are present on your website, Jscrambler facilitates a fast onboarding process and analysis of your payment pages by giving you the flexibility to start with an agentless deployment, accelerating time-to-value and compliance. Jscrambler’s WPI PCI DSS Hybrid Architecture enables organizations of any size or complexity to utilize both Agentless Monitoring and Agent-Based Protection for enhanced security and compliance.

All you need to start with Agentless is to provide your payment page URLs and recurring payment page analysis is ready to be activated without any configuration to your website. 

This is a perfect solution for companies that don’t have the luxury of a long vendor evaluation process and who are selecting a comprehensive client-side protection and compliance solution before satisfying the basic PCI DSS v4 compliance requirements. It is also something that doesn't require any manual effort from your team.

Automated Payment Page Compliance (Comply) 

Here’s how the automated recurring payment page monitoring will work to fulfill the compliance requirements. The payment page analysis will be executed either 24/7 or every seven days to meet the recurrence requirements outlined by PCI DSS. The analysis results include the inventory, authorization, detection, monitoring, and alerting needed to meet PCI DSS requirements 6.4.3 and 11.6.1. 

Requirement 6.4.3 Based on Behavior

PCI DSS v4 Requirement 6.4.3 is designed to minimize the attack surface and manage all payment page scripts that are loaded and executed in the consumer’s browser.

Jscrambler provides a solution for PCI DSS v4.0 Requirement 6.4.3 by ensuring active management of JavaScript on payment pages:

• Script Inventory Maintenance

Jscrambler maintains a real-time inventory of all scripts running on payment pages, along with justifications for their necessity and compliance status, helping organizations to keep track of and justify the use of each script as required by PCI DSS v4.

• Script Authorization

Jscrambler implements methods to confirm each script is authorized, aligning with the requirement to verify script legitimacy. Jscrambler also blocks unauthorized scripts and malicious behaviors. 

• Script Integrity Assurance

The integrity of each script is maintained through Jscrambler's solutions, ensuring that scripts are not tampered with and remain secure. Jscrambler provides validation of the integrity of the scripts with tamper detection mechanisms and alerts in case of unauthorized modification of the contents of the payment page. 

Requirement 11.6.1 Header and Integrity Compromise Detection

Jscrambler addresses PCI DSS v4 Requirement 11.6.1 by deploying a mechanism on payment pages that detects and alerts on integrity changes or tampering:

• HTTP Header Modification Alerts

Jscrambler sends alerts on unauthorized modifications to HTTP headers, ensuring data transmission security.

• Content Integrity Monitoring

Jscrambler monitors the content of payment pages as received by the consumer's browser, alerting to any unauthorized modifications, thereby preserving the integrity of the payment process.

• Configuration for Evaluation

The mechanism is configured to evaluate received HTTP headers and payment pages, functioning in real time and on a session-by-session basis to ensure continuous protection and compliance with PCI DSS v4.

• Configurable Alerting

Alerts can be configured to be sent automatically by email, through the SIEM dashboard or via a dedicated Slack channel. 

QSA Payment Page Inventory Tool (Verify)

The easier it is for QSAs to verify compliance, the faster the PCI process will be completed for Merchants. Jscrambler offers a free Payment Page Inventory Report to a Merchant’s QSA. The report includes an analysis of merchant payment page script inventory, authorization, and risk level. This is available directly to your QSAs to accelerate PCI DSS compliance verification.

In addition, our QSA Alliance Program is designed to provide QSA professionals with up-to-date PCI DSS enablement, marketing and event support, QSA tooling, and expert PCI DSS insights. This is all to ensure that there is no misunderstanding about how PCI DSS v4 compliance can be achieved technically and what solutions in the market today fully satisfy the requirements 6.4.3 and 11.6.1.

Jscrambler has been working jointly with a number of large QSAs, including Coalfire and Integrity360 among others, providing education on PCI DSS compliance topics through webinars and virtual summits. 

Delegated Compliance  (Manage)

Jscrambler also simplifies the entire PCI DSS payment page analysis process by offloading manual script authorization from your internal business stakeholders. Jscrambler works with your team to establish agreed-upon authorization policies enabling expedited authorization review and approval. This significantly cuts back on hours spent each month by internal resources on script approval and compliance management.  

Jscrambler is a PCI SSC Principal Participating Organization and a member of the PCI SSC Board of Advisors. With over a decade of experience protecting JavaScript and providing comprehensive client-side protection, active participation in the PCI DSS community has greatly enhanced the expertise needed to support Merchants in their PCI DSS journey. 

Benefits of the Quick Start Program

Streamlined Management

The Jcsrambler product is designed to streamline script authorization management. There are fewer approvals due to Vendor Service grouping. Moreover, you only approve behaviors, not individual scripts, because it’s very common for scripts to change and for vendor service to rely on tens or hundreds of different pieces of JavaScript. So you're doing all those in one pass.

Flexibility with Hybrid Architecture

With the Jscrambler Hybrid Architecture, you have a lot of flexibility available. For example, if you acquire another company, or another brand, and you need to quickly bring their payment pages into compliance, you can use Agentless Monitoring to have them being monitored and under compliance close to the same day. All can be done within a few hours without having to go through change management because you're not affecting the website itself.

Once you identify the sections of the business that might be more or less dangerous, and might have more or less risk, that's where you might look to include the Agent so that you can have direct control over those particular pages or experiences.

Proactive Control & Data Leakage Prevention

Proactive control and prevention allow you to set up rules ahead of time and identify those third-party vendors that should always have access to cardholder data while blocking everyone else. For example, if Strike is your payment processor or PayPal, you allow these vendors to handle cardholder data. Other vendor services will not have access to cardholder data on payment pages. The Jcrambler solution will take care of all that automatically on the client side.

Simplified Workflows with Delegated Compliance

You can use Jscrambler to delegate certain compliance tasks over if your organization is either small or just doesn't have a lot of experience with JavaScript or wants another helping hand. You can give a lot of the approval tasks over to the Jscrambler team where we can go in and actually do certain approvals for you.

PCI DSS Expertise

The Webpage Integrity (WPI) product has been in the market for 5 years. The anti-skimming capabilities of WPI were developed long before the PCI DSS v4.The Jscrambler WPI PCI module is designed with input from the industry and QSA partners. It has a purpose-built user interface and it’s easy to use the solution and manage your workflows.

Key Takeaways

Protecting your payment page in accordance with PCI DSS v4 is crucial to safeguard sensitive customer information and reduce the risk of data breaches, and complying now ensures that your business remains secure and avoids potential fines and reputational damage. Jscrambler has developed a Quick Start Program to help you: 

• Fully comply with PCI DSS requirements 6.4.3 and 11.6.1.

• Establish trust with your QSA advising and verifying payment pages. 

• Avoid stressful vendor evaluation processes and last-minute urgent fixes via smooth onboarding and deployment with Jscrambler.

• Get an opportunity to delegate all the strenuous authorization work to Jscrambler in 2025 after the Standard implementation deadline. 

• Rely on Jscrambler as PCI DSS experts capable of interpreting the requirements thanks to the close collaboration with PCI SSC’s representatives and authors of the PCI DSS version 4 requirements.

If you’d like to inquire about the Program, contact us.