Get QSA_New_V4 Actual Free Exam Q&As to Prepare for Your PCI SSC Certification
PCI SSC Actual Free Exam Questions And Answers
NEW QUESTION # 35
At which step in the payment transaction process does the merchant's bank pay the merchant for the purchase, and the cardholder's bank bill the cardholder?
- A. Authorization
- B. Chargeback
- C. Settlement
- D. Clearing
Answer: C
Explanation:
Thesettlement phaseis when:
* Themerchant's acquiring bank pays the merchant, and
* Theissuing bank bills the cardholder.
This occursafter authorization and clearinghave already taken place.
* Option A:#Incorrect. Authorization verifies the card and funds but doesn't trigger payment.
* Option B:#Incorrect. Clearing exchanges transaction details between banks but doesn't finalise funds.
* Option C:#Correct. Settlement is whenfunds are actually transferred.
* Option D:#Incorrect. Chargebacks reverse transactions, not settle them.
NEW QUESTION # 36
An LDAP server providing authentication services to the cardholder data environment is?
- A. In scope only if it provides authentication services to systems in the DMZ.
- B. Not in scope for PCI DSS.
- C. In scope only if it stores, processes or transmits cardholder data.
- D. In scope for PCI DSS.
Answer: D
Explanation:
According toPCI DSS Scope Definitions (Section 4.2.1), any system thatcan impact the security of the CDEisin scope, even if it doesn't store cardholder data. An LDAP server providing authentication to systems in the CDEdirectly affects access control, so it'sin scope.
* Option A:#Correct. Systems providingauthentication services to the CDEarein scope.
* Option B:#Incorrect. LDAP does not need to store card data to be in scope.
* Option C:#Incorrect. Influence over access security makes it in scope regardless of data processing.
* Option D:#Incorrect. Scope isn't limited to DMZ-linked systems.
NEW QUESTION # 37
If segmentation is being used to reduce the scope of a PCI DSS assessment, the assessor will?
- A. Verify the controls used for segmentation are configured properly and functioning as intended.
- B. Verify the segmentation controls allow only necessary traffic into the cardholder data environment.
- C. Verify the payment card brands have approved the segmentation.
- D. Verify that approved devices and applications are used for the segmentation controls.
Answer: A
Explanation:
PCI DSS clearly states inRequirement 11.4.5and in theScoping Guidancethat if segmentation is used, the assessor must verify thesegmentation is effective- meaning it must be technically and operationally validated to ensure that it properly isolates the Cardholder Data Environment (CDE) from out-of-scope networks.
* Option A:Too narrow. While allowing only necessary traffic is important, the verification involves more than that.
* Option B:Incorrect. Payment brands do not "approve" segmentation.
* Option C:Incorrect. PCI DSS focuses on effectiveness, not brand-specific device use.
* Option D:Correct. Assessor must ensure that segmentation controls areproperly configured and function as intended.
NEW QUESTION # 38
Which of the following statements Is true whenever a cryptographic key Is retired and replaced with a new key?
- A. The retired key must not be used for encryption operations.
- B. All data encrypted under the retired key must be securely destroyed.
- C. Cryptographic key components from the retired key must be retained for 3 months before disposal.
- D. Anew key custodian must be assigned.
Answer: A
NEW QUESTION # 39
What must be included in an organization's procedures for managing visitors?
- A. Visitors retain their identification (for example, a visitor badge) for 30 days after completion of the visit.
- B. Visitors are escorted at all times within areas where cardholder data is processed or maintained.
- C. Visitor badges are identical to badges used by onsite personnel.
- D. Visitor log includes visitor name, address, and contact phone number.
Answer: B
Explanation:
Visitor Management Requirements:
* PCI DSS Requirement 9.3 specifies that visitors must be escorted at all times in areas where cardholder data is present to prevent unauthorized access or breaches.
Invalid Options:
* B:Visitor badges must be distinguishable from employee badges.
* C:Visitor logs are necessary but do not need detailed personal information like addresses.
* D:Retaining visitor identification for 30 days is not a requirement.
NEW QUESTION # 40
At which step in the payment transaction process does the merchant's bank pay the merchant for the purchase, and the cardholder's bank bill the cardholder?
- A. Authorization
- B. Chargeback
- C. Settlement
- D. Clearing
Answer: C
Explanation:
Settlement in the Payment Process
* Settlement is the stage where the merchant's bank pays the merchant for the transaction, and the cardholder's bank debits the cardholder's account.
* PCI DSS does not explicitly describe the settlement process but emphasizes the protection of data during all stages.
Transaction Stages
* Authorization:Approves the transaction.
* Clearing:Data is sent to the cardholder's bank.
* Settlement:Funds are transferred between banks.
* Chargeback:Disputes are handled, and funds might be reversed.
NEW QUESTION # 41
An entity is using custom software in their CDE. The custom software was developed using processes that were assessed by a Secure Software Lifecycle assessor and found to be fully compliant with the Secure SLC standard. What impact will this have on the entity's PCI DSS assessment?
- A. It may help the entity to meet several requirements in Requirement 6.
- B. It automatically makes an entity PCI DSS compliant.
- C. There is no impact to the entity.
- D. The custom software can be excluded from the PCI DSS assessment.
Answer: A
Explanation:
TheSecure Software Lifecycle (SLC) Standardis part of PCI'sSoftware Security Framework (SSF). If an entity's software is developed under aPCI-recognised Secure SLC process, it maysatisfy parts of Requirement
6, especially around secure coding practices and vulnerability management.
* Option A:#Incorrect. SLC compliance alone doesn't grant full PCI DSS compliance.
* Option B:#Correct. Secure SLC can help meetmany of the development-related controls.
* Option C:#Incorrect. There isimpact- potentially reducing scope/testing.
* Option D:#Incorrect. The software remainsin scope, but fewer controls may need to be separately validated.
NEW QUESTION # 42
The intent of assigning a risk ranking to vulnerabilities is to?
- A. Replace the need for quarterly ASV scans.
- B. Ensure that critical security patches are installed at least quarterly.
- C. Ensure all vulnerabilities are addressed within 30 days.
- D. Prioritize the highest risk items so they can be addressed more quickly.
Answer: D
Explanation:
PCI DSSRequirement 6.3.1requires entities toassign a risk rankingto vulnerabilities (e.g., high, medium, low) to ensure thatremediation efforts are prioritised. This risk-based approach helps organisations focus resources where they are most needed.
* Option A:#Incorrect. Timeframes depend on the severity and internal policy, not always 30 days.
* Option B:#Incorrect. Risk ranking supports remediation but doesn't replace scanning.
* Option C:#Correct. The purpose is toprioritise higher-risk itemsfor faster action.
* Option D:#Incorrect. Patch frequency is addressed elsewhere (Requirement 6.3.3).
NEW QUESTION # 43
An organization wishes to implement multi-factor authentication for remote access, using the user's Individual password and a digital certificate. Which of the following scenarios would meet PCI DSS requirements for multi-factor authentication?
- A. A different certificate is assigned to each individual user account, and certificates are not shared.
- B. Certificates are logged so they can be retrieved when the employee leaves the company.
- C. Change control processes are In place to ensure certificates are changed every 90 days.
- D. Certificates are assigned only to administrative groups, and not to regular users.
Answer: A
Explanation:
Multi-Factor Authentication (MFA)
* MFA requires at least two factors from different categories: something you know (password), something you have (digital certificate), or something you are (biometric).
* PCI DSS Requirement 8 mandates that credentials like certificates must be unique to each user.
Secure Certificate Use
* Certificates must not be shared and should be assigned individually to ensure accountability and prevent unauthorized access.
Incorrect Options
* Option A: Limiting certificates to administrative groups does not fulfill PCI DSS for all users.
* Option C: Logging certificates for retrieval is unrelated to security requirements.
* Option D: Certificates do not have a mandatory 90-day change requirement.
NEW QUESTION # 44
Could an entity use both the Customized Approach and the Defined Approach to meet the same requirement?
- A. Yes, if the entity uses no compensating controls.
- B. No, because a single approach must be selected.
- C. Yes, if the entity is eligible to use both approaches.
- D. No, because only compensating controls can be used with the Defined Approach.
Answer: C
Explanation:
PCI DSS allows an entity touse both Defined and Customized Approaches, including for different sub- requirements of the same primary requirement,as long as they are eligible and justified. Entities might use the Defined Approach for standard controls and the Customized Approach where flexibility is needed.
* Option A:Incorrect. PCI DSS explicitly allows mixed use per Requirement 8 guidance.
* Option B:Incorrect. Compensating controls are separate from the Customized Approach.
* Option C:Incorrect. Eligibility is not based solely on the absence of compensating controls.
* Option D:Correct. Mixed approaches are allowed if eligibility requirements are met.
NEW QUESTION # 45
Which of the following is an example of multi-factor authentication?
- A. A token that must be presented twice during the login process.
- B. A user passphrase and an application-level password.
- C. A user password and a PIN-activated smart card.
- D. A user fingerprint and a user thumbprint.
Answer: C
Explanation:
Requirement 8.4.2defines multi-factor authentication (MFA) asauthentication that requires at least two of the following:
* Something you know (password/PIN)
* Something you have (smart card/token)
* Something you are (biometric)
* Option A:#Incorrect. Presenting the same token twice is stillsingle-factor.
* Option B:#Incorrect. Two passwords arestill one factor- "something you know".
* Option C:#Correct. Password (something you know) + smart card (something you have) =MFA.
* Option D:#Incorrect. Fingerprint and thumbprint are bothbiometrics, so one factor.
NEW QUESTION # 46
Which scenario describes segmentation of the cardholder data environment (CDE) for the purposes of reducing PCI DSS scope?
- A. Virtual LANs that route network traffic between the CDE and out-of-scope networks.
- B. A network configuration that prevents all network traffic between the CDE and out-of-scope networks.
- C. Routers that monitor network traffic flows between the CDE and out-of-scope networks.
- D. Firewalls that log all network traffic flows between the CDE and out-of-scope networks.
Answer: B
Explanation:
True segmentation, as defined inPCI DSS Scope Guidance, requiresenforcing isolationsuch thatno network traffic is allowed between the CDE and out-of-scope systems, unless explicitly permitted and secured. This is the only way toreduce assessment scopereliably.
* Option A:#Incorrect. Monitoring alone does not restrict or prevent access.
* Option B:#Incorrect. Logging without restriction doesnot isolatethe CDE.
* Option C:#Incorrect. VLANs may be part of segmentation, but routing traffic alone doesn't reduce scope.
* Option D:#Correct. This describesproper segmentation: no uncontrolled traffic into the CDE.
NEW QUESTION # 47
Which of the following is required to be included in an incident response plan?
- A. Procedures for securely deleting incident response records immediately upon resolution of the incident.
- B. Procedures for notifying PCI SSC of the security incident.
- C. Procedures for responding to the detection of unauthorized wireless access points.
- D. Procedures for launching a reverse-attack on the individual(s) responsible for the security incident.
Answer: C
Explanation:
According toRequirement 12.10.1, an effectiveincident response plan (IRP)must include steps to detect, respond to, and contain incidents such asunauthorised wireless access points. PCI DSS11.2.1also mandates quarterly rogue AP detection.
* Option A:#Incorrect. Notification to PCI SSC is not required; notification goes toacquirers/payment brands.
* Option B:#Correct. The IRP must includeresponse to unauthorised wireless access detection.
* Option C:#Incorrect. Records must beretained, not deleted.
* Option D:#Incorrect. Retaliatory or offensive actions arenot allowed or recommended.
NEW QUESTION # 48
Which of the following statements is true whenever a cryptographic key is retired and replaced with a new key?
- A. The retired key must not be used for encryption operations.
- B. All data encrypted under the retired key must be securely destroyed.
- C. Cryptographic key components from the retired key must be retained for 3 months before disposal.
- D. A new key custodian must be assigned.
Answer: A
Explanation:
When a cryptographic key is retired and replaced, it is essential to ensure that the retired key is no longer used for encryption purposes to maintain the security of the cryptographic system.
* Option A:Correct. Retired keys must not be used for encryption operations to prevent potential security vulnerabilities. However, they may be retained for decryption purposes if necessary, such as decrypting existing data encrypted under the retired key.
* Option B:Incorrect. PCI DSS does not specify a mandatory retention period for retired cryptographic key components before disposal. Retention periods should align with the entity's data retention policies and legal requirements.
* Option C:Incorrect. Assigning a new key custodian is not a mandatory requirement upon key retirement and replacement, though proper key management practices should ensure that custodianship is clearly defined and documented.
* Option D:Incorrect. While data encrypted under a retired key should be re-encrypted with the new key or securely managed, PCI DSS does not mandate the destruction of such data solely due to key retirement.
For more information on cryptographic key management practices, refer toRequirement 3: Protect Stored Account Datain thePCI DSS v4.0.1document.Wikipedia
NEW QUESTION # 49
In accordance with PCI DSS Requirement 10, how long must audit logs be retained?
- A. At least 2 years, with the most recent month immediately available.
- B. At least 3 months, with the most recent month immediately available.
- C. At least 1 year, with the most recent 3 months immediately available.
- D. At least 2 years, with the most recent 3 months immediately available.
Answer: C
Explanation:
PerRequirement 10.5.1.2, audit logs must be retained forat least one year, and the mostrecent three months must be readily availablefor analysis. This ensures traceability of security events over both short and longer- term periods.
* Option A:#Correct. Matches both duration and availability criteria.
* Option B:#Incorrect. Two years is not required.
* Option C:#Incorrect. The retention period is misstated.
* Option D:#Incorrect. One month is insufficient for immediate access.
NEW QUESTION # 50
Security policies and operational procedures should be?
- A. Encrypted with strong cryptography.
- B. Stored securely so that only management has access.
- C. Distributed to and understood by all affected parties.
- D. Reviewed and updated at least quarterly.
Answer: C
Explanation:
PCI DSSRequirement 12.1.1requires that security policies and procedures be disseminated to all relevant personnel and that those individualsunderstand and acknowledgethe policies. While review and update frequencies are also part of compliance, the most complete and correct answer is that policies must be shared with affected parties.
* Option A:Incorrect. Encryption is not specifically required for policy documents.
* Option B:Incorrect. Limiting access to only management contradicts the requirement for distribution.
* Option C:Incorrect. The correct review cycle per Requirement 12.1.2 isannually, not quarterly.
* Option D:Correct. Policies and procedures must be understood and acknowledged by all affected parties.
NEW QUESTION # 51
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