[Q23-Q44] Verified QSA_New_V4 dumps Q&As - Pass Guarantee Exam Dumps Test Engine [2025]

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QSA_New_V4 dumps and 71 unique questions

NEW QUESTION # 23
Which of the following is an example of multi-factor authentication?

A. A user passphrase and an application-level password.
B. A user fingerprint and a user thumbprint.
C. A token that must be presented twice during the login process.
D. A user password and a PIN-activated smart card.

Answer: D

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.
Reference:PCI DSS v4.0.1 - Requirement 8.4.2 and Glossary definition of MFA.

NEW QUESTION # 24
Which systems must have anti-malware solutions?

A. All portable electronic storage.
B. All systems that store PAN.
C. Any in-scope system except for those identified as 'not at risk' from malware.
D. All CDE systems, connected systems, NSCs, and security-providing systems.

Answer: C

Explanation:
Requirement 5.2.1.1clarifies thatanti-malware solutions are requiredonall in-scope systems,unlessthe system is evaluated asnot at risk for malware(e.g., Linux-based appliances with no Internet access). These risk evaluations must be documented and justified (5.2.3.1).
* Option A:#Incorrect. PCI DSS allows exceptions for systems not at risk.
* Option B:#Incorrect. Anti-malware applies to systems, not portable media per se.
* Option C:#Incorrect. Anti-malware scope is broader than just PAN-storing systems.
* Option D:#Correct. Systems not at risk can be excluded if justified and documented.

NEW QUESTION # 25
Viewing of audit log files should be limited to?

A. Individuals with read/write access.
B. Individuals with a job-related need.
C. Individuals who performed the logged activity.
D. Individuals with administrator privileges.

Answer: B

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.

NEW QUESTION # 26
What should the assessor verify when testing that cardholder data Is protected whenever It Is sent over open public networks?

A. The security protocol accepts only trusted keys.
B. The security protocol accepts connections from systems with lower encryption strength than required by the protocol.
C. The security protocol Is configured to accept all digital certificates.
D. A proprietary security protocol is used.

Answer: A

Explanation:
Requirement for Secure Transmission:
* PCI DSS Requirement 4.1 mandates that cardholder data sent over open public networks must be protected with strong cryptographic protocols. Accepting only trusted keys ensures data integrity and prevents unauthorized access.
Key Validation Practices:
* Trusted keys and certificates are verified to ensure authenticity. Using untrusted keys compromises the security of the encrypted communication.
Prohibited Practices:
* A/D:Configuring protocols to accept all certificates or lower encryption strength violates PCI DSS encryption guidelines.
* B:Proprietary protocols are not inherently compliant unless they meet strong cryptographic standards.
Testing and Verification:
* Assessors verify the implementation of trusted keys by examining encryption settings, reviewing certificate chains, and conducting tests to confirm only trusted connections are accepted.

NEW QUESTION # 27
The intent of assigning a risk ranking to vulnerabilities is to?

A. Prioritize the highest risk items so they can be addressed more quickly.
B. Ensure all vulnerabilities are addressed within 30 days.
C. Ensure that critical security patches are installed at least quarterly.
D. Replace the need for quarterly ASV scans.

Answer: A

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 # 28
Which statement is true regarding the PCI DSS Report on Compliance (ROC)?

A. The assessor may use either their own template or the ROC Reporting Template provided by PCI SSC.
B. The ROC Reporting Template and instructions provided by PCI SSC should be used for all ROCs.
C. The assessor must create their own ROC template for each assessment report.
D. The ROC Reporting Template provided by PCI SSC is only required for service provider assessments.

Answer: B

Explanation:
PerSection 11 and 12of PCI DSS v4.0.1, assessors arerequired to use the official PCI SSC ROC Reporting Template. This ensures uniformity and completeness across all assessments. The same requirement applies to bothmerchants and service providersundergoing afull assessment (ROC).
* Option A:#Correct. PCI SSC mandates use of its official ROC template.
* Option B:#Incorrect. Custom assessor templates arenot permitted.
* Option C:#Incorrect. Assessorsmust notcreate their own templates.
* Option D:#Incorrect. The ROC template is used forbothmerchants and service providers, where applicable.
References:
PCI DSS v4.0.1 - Section 11: ROC Instructions;
PCI SSC ROC Reporting Template (available from the PCI SSC Document Library).

NEW QUESTION # 29
An entity wants to know if the Software Security Framework can be leveraged during their assessment.
Which of the following software types would this apply to?

A. Validated Payment Applications that are listed by PCI SSC and have undergone a PA-DSS assessment.
B. Only software which runs on PCI PTS devices.
C. Software developed by the entity in accordance with the Secure SLC Standard.
D. Any payment software in the CDE.

Answer: C

Explanation:
TheSoftware Security Framework (SSF)is intended to support entities usingbespoke and custom softwarewithin the Cardholder Data Environment (CDE). If the software is developed and maintained in accordance with theSecure Software Lifecycle (SLC) Standard, it can help demonstrate secure software development practices and potentially reduce the number of applicable PCI DSS requirements.
* Option A:Incorrect. Not all payment software qualifies unless developed under SSF standards.
* Option B:Incorrect. PCI PTS devices follow different hardware security standards.
* Option C:Incorrect. PA-DSS has been retired; those applications are now listed as "Acceptable Only for Pre-Existing Deployments".
* Option D:Correct. Software developed under the Secure SLC Standard may help an entity meet some requirements in PCI DSS Requirement 6.

NEW QUESTION # 30
Could an entity use both the Customized Approach and the Defined Approach to meet the same requirement?

A. Yes, if the entity is eligible to use both approaches.
B. Yes, if the entity uses no compensating controls.
C. No, because only compensating controls can be used with the Defined Approach.
D. No, because a single approach must be selected.

Answer: A

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.
Reference:PCI DSS v4.0.1 - Appendix D and Requirement 8 overview.

NEW QUESTION # 31
A retail merchant has a server room containing systems that store encrypted PAN data. The merchant has Implemented a badge access-control system that Identifies who entered and exited the room, on what date, and at what time. There are no video cameras located in the server room.Based on this information, which statement is true regarding PCI DSS physical security requirements?

A. The merchant must Install video cameras in addition to the existing access-control system.
B. The badge access-control system must be protected from tampering or disabling.
C. Data from the access-control system must be securely deleted on a monthly basis.
D. The merchant must install motion-sensing alarms In addition to the existing access-control system.

Answer: B

Explanation:
Physical Security Requirements:
* PCI DSS Requirement 9.1.1 mandates that physical access control systems (like badge readers) must be protected against tampering or disabling to ensure continuous security.
Current Implementation:
* The merchant's badge access-control system provides essential logging of access events but must also be protected against tampering to comply with PCI DSS.
Invalid Options:
* B:Video cameras are recommended but not explicitly required if access controls effectively ensure security.
* C:Secure deletion of access-control logs is not a PCI DSS requirement; logs must be retained as per retention policies.
* D:Motion-sensing alarms are not mandatory under PCI DSS physical security requirements.

NEW QUESTION # 32
Which statement is true regarding the use of intrusion detection techniques, such as intrusion detection systems and/or intrusion protection systems (IDS/IPS)?

A. Intrusion detection techniques are required on all system components.
B. Intrusion detection techniques are required to isolate systems in the cardholder data environment from all other systems.
C. Intrusion detection techniques are required to identify all instances of cardholder data.
D. Intrusion detection techniques are required to alert personnel of suspected compromises.

Answer: D

Explanation:
Requirement 11.5.1mandates that organisations deployintrusion-detection or prevention toolstomonitor traffic and generate alertsfor suspicious activity. The goal is tonotify personnel quicklyof a possible breach.
* Option A:#Incorrect. IDS/IPS isnot requiredon every component - only where it adds value.
* Option B:#Correct. IDS/IPS must be configured toalert on potential compromises.
* Option C:#Incorrect. Segmentation is a separate concern under Requirement 1.
* Option D:#Incorrect. IDS is not for discovering cardholder data.

NEW QUESTION # 33
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. Chargeback
B. Authorization
C. Clearing
D. Settlement

Answer: D

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.
Reference:PCI SSC Glossary - Definitions of "Authorization", "Clearing", and "Settlement".

NEW QUESTION # 34
PCI DSS Requirement 12.7 requires screening and background checks for which of the following?

A. All personnel employed by the organization.
B. Cashiers with access to one card number at a time.
C. Visitors with access to the organization's facilities.
D. Personnel with access to the cardholder data environment.

Answer: D

Explanation:
PCI DSS Requirement 12.7 mandates that organizations perform background checks on personnel who have access to the cardholder data environment (CDE) to ensure that individuals with malicious intent do not gain access to sensitive cardholder data.
* Option A:Incorrect. While conducting background checks on all personnel is a good security practice, PCI DSS specifically requires checks for those with access to the CDE.
* Option B:Correct. Background checks are required for personnel with access to the CDE to mitigate the risk of insider threats.
* Option C:Incorrect. Visitors are not typically subjected to background checks but should be escorted and monitored while in sensitive areas.

NEW QUESTION # 35
Which statement is true regarding the presence of both hashed and truncated versions of the same PAN in an environment?

A. Hashed and truncated versions of a PAN must not exist in same environment.
B. The hashed and truncated versions must be correlated so the source PAN can be identified.
C. The hashed version of the PAN must also be truncated per PCI DSS requirements for strong cryptography.
D. Controls are needed to prevent the original PAN being exposed by the hashed and truncated versions.

Answer: D

Explanation:
* Hashing and Truncation
* PCI DSS Requirement 3.4 mandates protecting stored PAN using methods like hashing and truncation. If both versions coexist, controls must ensure they cannot be combined to reconstruct the original PAN.
* Incorrect Options
* Option B: Truncation is unrelated to hashed PANs.
* Option C: Correlation of hashed and truncated versions to identify the PAN violates PCI DSS principles.
* Option D: Coexistence of hashed and truncated PANs is permissible if proper controls are in place.

NEW QUESTION # 36
An entity wants to know if the Software Security Framework can be leveraged during their assessment.
Which of the following software types would this apply to?

A. Validated Payment Applications that are listed by PCI SSC and have undergone a PA-DSS assessment.
B. Only software which runs on PCI PTS devices.
C. Software developed by the entity in accordance with the Secure SLC Standard.
D. Any payment software In the CDE.

Answer: C

Explanation:
Software Security Framework Overview
* PCI SSC's Software Security Framework (SSF) encompasses Secure Software Standard and Secure Software Lifecycle (Secure SLC) Standard.
* Software developed under the Secure SLC Standard adheres to security-by-design principles and can leverage the SSF during PCI DSS assessments.
Applicability
* The framework is primarily for software developed by entities or third parties adhering to PCI SSC standards.
* It does not apply to legacy payment software listed under PA-DSS unless migrated to SSF.
Incorrect Options
* Option A: Not all payment software qualifies; it must align with SSF requirements.
* Option B: PCI PTS devices are subject to different security requirements.
* Option C: PA-DSS-listed software does not automatically meet SSF standards without reassessment.

NEW QUESTION # 37
Which statement about PAN is true?

A. It must be protected with strong cryptography for transmission over private wireless networks.
B. It must be protected with strong cryptography for transmission over private wired networks.
C. It does not require protection for transmission over public wireless networks.
D. It does not require protection for transmission over public wired networks.

Answer: A

Explanation:
Requirement 4.2.1.1states that PAN must beprotected with strong cryptographywhenever transmitted overopen or public networks, includingprivate wirelesswhere security is not assured. While not allprivate wired networksrequire encryption,wirelessis generally considered untrusted.
* Option A:#Correct. PAN must be encrypted overprivate wireless networksdue to potential interception risks.
* Option B:#Incorrect. Privatewirednetworks typically don't require encryption unless they're untrusted.
* Option C & D:#Incorrect. PANalways requires protectionover public networks.

NEW QUESTION # 38
What process is required by PCI DSS for protecting card-reading devices at the point-of-sale?

A. Device identifiers and security labels are periodically replaced.
B. The serial number of each device is periodically verified with the device manufacturer.
C. Devices are physically destroyed if there is suspicion of compromise.
D. Devices are periodically inspected to detect unauthorized card skimmers.

Answer: D

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 # 39
Which statement about PAN is true?

A. It must be protected with strong cryptography for transmission over private wireless networks.
B. It must be protected with strong cryptography for transmission over private wired networks.
C. It does not require protection for transmission over public wireless networks.
D. It does not require protection for transmission over public wired networks.

Answer: A

NEW QUESTION # 40
Which of the following statements is true regarding track equivalent data on the chip of a payment card?

A. It is not applicable for PCI DSS Requirement 3.2.
B. It is sensitive authentication data.
C. It is allowed to be stored by merchants after authorization, if encrypted.
D. It is out of scope for PCI DSS.

Answer: B

Explanation:
Track equivalent data- whether from a magnetic stripe or embedded chip - falls underSensitive Authentication Data (SAD)and mustnot be stored after authorisation, even if encrypted. This is covered underRequirement 3.3.1and Table 3 in PCI DSS v4.0.1.
* Option A:#Incorrect. SADmust not be stored after authorisation, regardless of encryption.
* Option B:#Correct. Track equivalent data is explicitly defined asSAD.
* Option C:#Incorrect. SAD is fullyin-scopefor PCI DSS.
* Option D:#Incorrect. Requirement 3.2 and 3.3 specifically address SAD.

NEW QUESTION # 41
According to the glossary, "bespoke and custom software" describes which type of software?

A. Any software developed by a third party that can be customized by an entity.
B. Any software developed by a third party.
C. Virtual payment terminals.
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 # 42
Which of the following describes "stateful responses" to communication Initiated by a trusted network?

A. Active network connections are tracked so that invalid "response" traffic can be identified.
B. Administrative access to respond to requests to change the firewall Is limited to one individual at a time.
C. Logs of user activity on the firewall are correlated to identify and respond to suspicious behavior.
D. A current baseline of application configurations is maintained and any mis-configuration is responded to promptly.

Answer: A

Explanation:
Stateful Inspection
* PCI DSS Requirement 1.2 specifies the need for stateful inspection to track the state of active connections. This ensures that only valid responses to communication initiated by trusted networks are allowed.
* Invalid or unsolicited response traffic is blocked to prevent exploitation of vulnerabilities.
Key Functionality of Stateful Firewalls
* Stateful firewalls maintain session information and only allow traffic that matches an existing session or expected response.
Incorrect Options
* Option A: Administrative access restrictions are important but unrelated to stateful responses.
* Option C: Baseline configurations are a different security control.
* Option D: Logging and correlation are for threat detection, not stateful response.

NEW QUESTION # 43
In accordance with PCI DSS Requirement 10, how long must audit logs be retained?

A. At least 3 months, with the most recent month immediately available.
B. At least 2 years, with the most recent 3 months immediately available.
C. At least 1 year, with the most recent 3 months immediately available.
D. At least 2 years, with the most recent month 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 # 44
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