PDF (New 2025) Actual PCI SSC QSA_New_V4 Exam Questions
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PCI SSC QSA_New_V4 Exam Syllabus Topics:
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NEW QUESTION # 39
What process is required by PCI DSS for protecting card-reading devices at the point-of-sale?
- A. The serial number of each device is periodically verified with the device manufacturer.
- B. Device identifiers and security labels are periodically replaced.
- C. Devices are periodically inspected to detect unauthorized card skimmers.
- D. Devices are physically destroyed if there is suspicion of compromise.
Answer: C
Explanation:
Requirement9.9.2of PCI DSS v4.0.1 mandates that entitiesregularly inspect POS devicesto detect signs of tampering or skimming. This includes physical inspections to identify unexpected additions, unauthorized stickers, broken seals, etc.
* Option A:Correct. Regular inspection for skimming/tampering is required.
* Option B:Incorrect. There is no mandate for manufacturer serial number verification.
* Option C:Incorrect. PCI DSS does not require routine replacement of device identifiers or labels.
* Option D:Incorrect. Devices may be investigated if compromised, but not necessarily destroyed.
NEW QUESTION # 40
Which scenario meets PCI DSS requirements for restricting access to databases containing cardholder data?
- A. Application IDs for database applications can only be used by database administrators.
- B. User access to the database is restricted to system and network administrators.
- C. Direct queries to the database are restricted to shared database administrator accounts.
- D. User access to the database is only through programmatic methods.
Answer: D
Explanation:
PerRequirement 7.2.5and8.2.2, PCI DSS recommends thatonly application-layer accessbe allowed to databases storing cardholder data, preventing users from issuing direct SQL queries or accessing the database via administrative tools.
* Option A:#Correct. Restricting database access toprogrammatic (application-layer) methodsis strongly preferred and aligns with PCI DSS guidance.
* Option B:#Incorrect. Admins should not have unrestricted access unless justified and monitored.
* Option C:#Incorrect. Application IDs must not be used interactively by individuals (Requirement 8.6.1).
* Option D:#Incorrect. Shared accounts are disallowed (Requirement 8.2.1).
References:
PCI DSS v4.0.1 - Requirements 7.2.5, 8.2.1, 8.6.1.
NEW QUESTION # 41
Viewing of audit log files should be limited to?
- A. Individuals who performed the logged activity.
- B. Individuals with read/write access.
- C. Individuals with administrator privileges.
- D. Individuals with a job-related need.
Answer: D
Explanation:
Requirement 10.5.1.1requires thataudit logs be protected from unauthorised viewing and modification, and access should berestricted to individuals with a job-related need to view them. This principle aligns with least privilege and ensures accountability.
* Option A:#Incorrect. The person who performed the action may not need to view logs.
* Option B:#Incorrect. Read/write access istoo permissive.
* Option C:#Incorrect. Not all administrators need access to logs.
* Option D:#Correct. Access should bebased on job function.
Reference:PCI DSS v4.0.1 - Requirement 10.5.1.1.
NEW QUESTION # 42
According to the glossary, "bespoke and custom software" describes which type of software?
- A. Any software developed by a third party.
- B. Virtual payment terminals.
- C. Any software developed by a third party that can be customized by an entity.
- D. Software developed by an entity for the entity's own use.
Answer: D
Explanation:
As per thePCI DSS Glossary, "bespoke and custom software" is defined assoftware that is developed specifically for, and often by, the entity using it. This includes internally developed applications and externally developed applications created specifically for the entity.
* Option A:#Incorrect. Not all third-party software is custom - much is commercial off-the-shelf (COTS).
* Option B:#Incorrect. Customisability does not equal bespoke development.
* Option C:#Correct. Bespoke software is tailoredby or forthe entity's specific needs.
* Option D:#Incorrect. Virtual terminals are payment interfaces, not types of software.
Reference:PCI DSS v4.0.1 - Glossary, "Bespoke and Custom Software".
NEW QUESTION # 43
Which of the following is an example of multi-factor authentication?
- A. A user fingerprint and a user thumbprint.
- B. A user passphrase and an application-level password.
- C. A user password and a PIN-activated smart card.
- D. A token that must be presented twice during the login process.
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 # 44
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 ail affected parties.
- D. Reviewed and updated at least quarterly.
Answer: C
Explanation:
Requirement Context:
* PCI DSS Requirement 12.5 mandates that security policies and operational procedures are not only documented but also distributed to relevant parties to ensure clarity and compliance.
Importance of Distribution and Awareness:
* All affected parties, including employees, contractors, and third parties with access to the cardholder data environment (CDE), must receive and understand the policies. This ensures they adhere to the security measures.
Review and Updates:
* Security policies must be kept up to date and reviewed at least annually or after significant changes in the environment. While other options such as encryption or restricted access are important for security, the critical focus is on distribution and awareness to ensure operational effectiveness.
Testing and Validation:
* During assessments, QSAs validate the implementation by examining training records, communication logs, and acknowledgment forms signed by affected parties.
Relevant PCI DSS v4.0 Guidance:
* Section 12.5.1 of PCI DSS v4.0 outlines that the dissemination of policies must ensure that all personnel understand their roles in securing the environment.
NEW QUESTION # 45
Assigning a unique ID to each person is intended to ensure?
- A. Strong passwords are used for each user account.
- B. Shared accounts are only used by administrators.
- C. Individual users are accountable for their own actions.
- D. Access is assigned to group accounts based on need-to-know.
Answer: C
Explanation:
According toRequirement 8.2.1, PCI DSS mandates that all users be assigned aunique IDbefore accessing system components or cardholder data. This ensuresaccountability, enabling identification of actions taken by each user.
* Option A:#Incorrect. Password strength is addressed underRequirement 8.3, not unique ID.
* Option B:#Incorrect. Shared accounts areprohibitedregardless of admin status.
* Option C:#Correct. Unique IDs ensure thateach user's actions can be traced.
* Option D:#Incorrect. Group accounts are discouraged in favour of individual accountability.
NEW QUESTION # 46
The intent of assigning a risk ranking to vulnerabilities is to?
- A. Ensure all vulnerabilities are addressed within 30 days.
- B. Replace the need for quarterly ASV scans.
- C. Ensure that critical security patches are installed at least quarterly.
- 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).
Reference:PCI DSS v4.0.1 - Requirement 6.3.1.
NEW QUESTION # 47
Passwords for default accounts and default administrative accounts should be?
- A. Changed before installing a system on the network.
- B. Configured to expire in 30 days.
- C. Reset to the default password before installing a system on the network.
- D. Changed within 30 days after installing a system on the network.
Answer: A
Explanation:
According toRequirement 2.2.6,default passwords must be changed before systems are installed on the network. The use of default credentials (such as "admin/admin") presents a major security risk and is a well- known vector for breaches.
* Option A:#Incorrect. Changing within 30 days is not soon enough per PCI DSS.
* Option B:#Incorrect. Resetting to default would defeat the purpose of secure configuration.
* Option C:#Correct. The requirement is to change default passwordsprior to network connection.
* Option D:#Incorrect. Password expiration policies are a separate topic under Requirement 8.
References:
PCI DSS v4.0.1 - Requirement 2.2.6;
PCI DSS v4.0.1 - Guidance for Requirement 2.2.6.
NEW QUESTION # 48
An internal NTP server that provides time services to the Cardholder Data Environment is?
- A. Only in scope if it provides time services to database servers.
- B. Only in scope if it stores, processes or transmits cardholder data.
- C. In scope for PCI DSS.
- D. Not in scope for PCI DSS.
Answer: C
Explanation:
Scope definition in PCI DSS v4.0.1 (Section 4)includesany system that can impact the security of the CDE.
Time synchronization servers such asNTParecritical to log integrity(Requirement 10.6), and if they provide services to CDE systems,they are in scopeeven if they do not directly process cardholder data.
* Option A:#Incorrect. Scope is broader than just databases.
* Option B:#Incorrect. Time serversimpact log security, so they are in scope.
* Option C:#Incorrect. PCI DSS scope includes systems thataffect the securityof CDE, not just those storing card data.
* Option D:#Correct. Internal NTP servers providing services to the CDE arein scope.
NEW QUESTION # 49
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 # 50
Security policies and operational procedures should be?
- A. Encrypted with strong cryptography.
- B. Stored securely so that only management has access.
- C. Reviewed and updated at least quarterly.
- D. Distributed to and understood by all affected parties.
Answer: D
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.
Reference:PCI DSS v4.0.1 - Requirement 12.1.1 and 12.1.2.
NEW QUESTION # 51
Where an entity under assessment is using the customized approach, which of the following steps is the responsibility of the assessor?
- A. Document and maintain evidence about each customized control as defined in Appendix E of PCI DSS.
- B. Perform the targeted risk analysis as per PCI DSS requirement 12.3.2.
- C. Monitor the control.
- D. Derive testing procedures and document them in Appendix E of the ROC.
Answer: D
Explanation:
Under theCustomized Approach, assessors are responsible forderiving and documenting the testing proceduresinAppendix E of the Report on Compliance (ROC). The assessor must ensure the controlmeets the requirement objectiveand validate it throughcustom testing.
* Option A:#Incorrect. Ongoing monitoring is the entity's responsibility, not the assessor's.
* Option B:#Correct. The assessor must derive anddocument testingin Appendix E.
* Option C:#Incorrect. The entity documents control details; the assessor documents test results.
* Option D:#Incorrect. Theentitymust perform the targeted risk analysis, not the assessor.
Reference:PCI DSS v4.0.1 - Appendix D (Customized Approach) and Appendix E (ROC Template).
NEW QUESTION # 52
In the ROC Reporting Template, which of the following is the best approach for a response where the requirement was "In Place"?
- A. Details of how the assessor observed the entity's systems were not compliant with the requirement.
- B. Details of how the assessor observed the entity's systems were compliant with the requirement.
- C. Details of the entity's reason for not implementing the requirement.
- D. Details of the entity's project plan for implementing the requirement.
Answer: B
Explanation:
TheROC Reporting Templaterequires assessors todocument how the requirement was verifiedas "In Place".
This includesmethods used, evidence reviewed, and how compliance was determined.
* Option A:#Incorrect. Project plans are relevant for "In Progress", not "In Place".
* Option B:#Correct. "In Place" requires an explanation ofassessor observations and validation.
* Option C:#Incorrect. This applies to "Not in Place".
* Option D:#Incorrect. This applies to non-compliance scenarios.
Reference:PCI DSS v4.0.1 - Section 11: Report on Compliance Instructions.
NEW QUESTION # 53
What does the PCI PTS standard cover?
- A. Point-of-interaction devices used to protect account data.
- B. End-to-end encryption solutions for transmission of account data.
- C. Development of strong cryptographic algorithms.
- D. Secure coding practices for commercial payment applications.
Answer: A
Explanation:
ThePCI PIN Transaction Security (PTS)standard applies topoint-of-interaction (POI) hardware devices, such as PIN entry devices and POS terminals. It ensures these devicessecurely capture and process account data, particularly for PIN-based transactions.
* Option A:#Correct. PCI PTS focuses onhardware devicesthat process PIN or card data.
* Option B:#Incorrect. This is covered under theSecure Software Standard(part of the Software Security Framework).
* Option C:#Incorrect. Algorithm development is outside PCI SSC's scope.
* Option D:#Incorrect. End-to-end encryption is covered in other guidance (e.g., P2PE), not PTS.
References:
PCI SSC Website - PTS Overview
PCI DSS v4.0.1 - Section 3 references PTS when discussing secure devices.
NEW QUESTION # 54
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. Routers that monitor network traffic flows between the CDE and out-of-scope networks.
- C. Firewalls that log all network traffic flows between the CDE and out-of-scope networks.
- D. A network configuration that prevents all network traffic between the CDE and out-of-scope networks.
Answer: D
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 # 55
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