Retail & E-commerce

PCI-DSS Compliance Monitoring for
Retail and E-commerce Businesses

Card skimmer injection, credential stuffing, and web server compromise are the dominant attack vectors against e-commerce merchants. ARIA catches them automatically and satisfies PCI-DSS Requirement 10 without manual log review.

PCI-DSS v4.0 File Integrity Monitoring Card Skimmer Detection Credential Stuffing Requirement 10 Logging

Who Needs PCI-DSS

Any merchant that processes, stores, or transmits cardholder data is subject to PCI-DSS — regardless of size, revenue, or transaction volume. Level 4 merchants (under 1 million Visa transactions per year, which covers the vast majority of small and mid-size e-commerce businesses) are still required to complete a Self-Assessment Questionnaire and attest to compliance with the applicable controls.

Using a hosted payment processor like Shopify Payments or Stripe reduces your PCI scope because cardholder data is processed within their environment rather than yours. It does not eliminate your obligations entirely. You remain responsible for the security of the systems that connect to, integrate with, or interact with the payment environment. Your web server, your admin access systems, and your network infrastructure are in scope — and they need logging, monitoring, and file integrity controls.

What PCI-DSS v4.0 Actually Requires for Logging and Monitoring

Requirement 10 — Log and Monitor All Access

Log all individual user access to system components in or connected to the cardholder data environment (CDE). Log all actions taken by root or administrative accounts. Log all access to audit trails. Retain logs for at least 12 months, with at least the most recent 3 months immediately available for analysis. Review logs daily — which in practice means automated correlation rules surface anomalies rather than a human reading every line. ARIA automates collection, retention, and daily review end-to-end.

Requirement 10.7 — Detect Failures of Security Controls

Promptly detect and report failures of critical security controls, including monitoring and logging systems themselves. ARIA alerts on agent disconnections and logging gaps — satisfying the requirement to detect when your monitoring fails, not just when your systems are attacked.

Requirement 11.5 — Change Detection Mechanism

Use a change-detection mechanism (file integrity monitoring) to alert personnel to unauthorized modification of critical files. File integrity monitoring is a direct, explicit PCI-DSS requirement. ARIA's FIM covers web server document roots, authentication configuration files, and payment application files. Unauthorized modification of a JavaScript file in your web root is an immediate alert.

Common E-commerce Attack Vectors

Attack Vector

Magecart Card Skimming

Attackers compromise a web server and inject malicious JavaScript into checkout pages. The script copies card numbers and CVVs as customers type them, sending the data to a remote collection server. Detection: unauthorized modification of JavaScript files in the web root (FIM alert), unexpected outbound connections from the web server to unknown external IPs, loading of script domains not in your approved list.

Attack Vector

Credential Stuffing

Attackers use lists of breached username/password combinations to attempt logins on your site en masse. Because consumers reuse passwords across sites, a significant fraction succeed. Detection: failed login rate anomalies (hundreds of failures per minute from distributed IPs), successful logins from IPs in known credential-stuffing botnet ranges, account lockout volume spikes.

Attack Vector

Account Takeover — Address Change

A compromised customer account is used to change the shipping address and place high-value orders. The goods arrive at an attacker-controlled address. Detection: shipping address modification followed immediately by a high-value order, from an account with no recent purchase history, from an IP the account has never used before.

Attack Vector

Server-Side Compromise

Attackers gain shell access to the web server and capture card data processed in application memory — bypassing the payment processor's tokenization entirely. Detection: unusual process execution from the web server process (a PHP worker spawning a shell), unexpected outbound connections from the application server, new executable files appearing in web-accessible directories.

What Happens Without PCI Compliance

Non-compliance is a business risk, not just a regulatory one. The consequences of a breach at a non-compliant merchant are severe and compounding:

Card brand fines: Visa and Mastercard levy fines of $5,000–$100,000 per month on non-compliant merchants discovered after a breach. These are assessed to your acquiring bank, which passes them to you.

Liability for fraudulent charges: Non-compliant merchants may bear liability for all fraudulent charges traceable to a breach at their systems. There is no statutory cap on this liability.

Loss of card processing privileges: Your acquiring bank can terminate your card processing agreement upon discovery of a breach at a non-compliant merchant. For an e-commerce business, losing the ability to accept payment cards means losing the business.

State breach notification obligations: 47 states have data breach notification laws that require disclosure when payment card data is exposed. Class action lawsuits following e-commerce card data breaches are common and well-funded by plaintiff law firms.

What ARIA Monitors in Your E-commerce Environment

Web server event logs: Every HTTP request hitting your checkout endpoints, at what rate, from which IPs. Anomalous request patterns — 10,000 POST requests to /checkout in 60 seconds — are correlated and surfaced.

File integrity monitoring: ARIA monitors your web server's document root for unauthorized file changes. The primary Magecart detection signal is a JavaScript file being modified without a corresponding deployment event. ARIA flags this within seconds of the write occurring.

Failed authentication patterns: Credential stuffing detection via failed login rate analysis. ARIA correlates failed authentication events across your web server logs and application event stream, surfaces volume anomalies, and flags IPs matching credential stuffing botnet ranges via OSINT enrichment.

Network connections from application servers: Your web server should make outbound connections to known services — payment gateway APIs, CDN endpoints, your own infrastructure. An outbound connection to an IP in Ukraine at 3am that the server has never contacted before is worth investigating. This is how Magecart skimmer C2 traffic looks at the network layer — ARIA catches it.

Admin access to payment systems: Privileged sessions to your payment application, database, and admin panel are logged and retained. Every admin login, every configuration change, every privileged query is timestamped and available for PCI auditor review.

Database query monitoring (Enterprise): Anomalous query volume, bulk SELECT operations on order or customer tables, and direct database access from accounts that normally don't touch production data are flagged. This catches both insider misuse and attacker data exfiltration after a server-side compromise.

Common Questions
Do I need PCI compliance if I use Shopify or Stripe?
Using a hosted payment provider like Stripe or Shopify Payments reduces your PCI scope because cardholder data is processed within their environment, not yours. However, it doesn't eliminate your obligations entirely. You are still responsible for the security of the systems that connect to, integrate with, or redirect to the payment environment — your web server, your admin access infrastructure, your network. You still need to complete a Self-Assessment Questionnaire, and the applicable SAQ (typically SAQ A or A-EP for redirect-based integrations) requires logging and monitoring controls on the systems you do control. ARIA monitors those systems even when the payment processing itself is fully outsourced.
What does ARIA specifically monitor in an e-commerce environment?
ARIA monitors web server events (process execution, access logs, outbound network connections), file changes in your web root and payment application directories via file integrity monitoring, authentication anomaly patterns (credential stuffing detection, failed login rate spikes), network connections from your application servers to external IPs, and admin access to payment systems. On Enterprise plans, firewall logs and database query monitoring add additional coverage layers — including bulk data export detection and anomalous database access patterns that indicate active exfiltration after a server-side compromise.
How often do I need PCI logs reviewed?
PCI-DSS Requirement 10.7.1 requires daily review of logs for all system components. In practice, this means automated correlation rules review logs daily and surface anomalies for human attention — it does not mean a human manually reads every log line, which would be impractical at any meaningful log volume. ARIA satisfies this requirement automatically: continuous automated correlation rules review incoming events, surface anomalies as alerts, and produce a daily review record showing that the automated review occurred. Your PCI assessor reviews the ARIA alert log and daily review records as evidence of Requirement 10 compliance.
What's the difference between an SAQ and a full PCI audit?
A Self-Assessment Questionnaire (SAQ) is a self-certification tool for smaller merchants at PCI Level 2, 3, and 4. You complete the questionnaire, implement the required controls, and attest to compliance — no external auditor required. There are multiple SAQ types (A, A-EP, B, C, D) that apply depending on how you handle card data: A for merchants who fully outsource card processing via redirect, D for those who handle card data directly in their own systems. A full PCI audit (Report on Compliance, ROC) is conducted by a Qualified Security Assessor (QSA) and required for Level 1 merchants processing over 6 million transactions per year. Most SMBs complete an SAQ; ARIA provides the monitoring evidence that makes the relevant SAQ sections straightforwardly attestable rather than a compliance gap.
How does ARIA help with PCI Requirement 10?
ARIA satisfies Requirement 10's logging and monitoring obligations directly and automatically: log collection from all system components in scope, 12-month retention with the most recent 3 months immediately queryable, daily automated review via correlation rules, and alerting on any access to audit trail logs themselves. Monthly PCI compliance reports document control coverage, open alerts, and the daily review record. This evidence is presented to your QSA or used in your SAQ attestation. ARIA does not replace the SAQ completion process or a QSA engagement — but it provides the operating technical controls that make those processes accurate rather than aspirational attestations.
$100K
Maximum monthly fine for non-compliant merchants after a breach
Visa / Mastercard non-compliance fines

Book a PCI Compliance Assessment

A 30-minute call to scope your cardholder data environment, followed by ARIA deployment that begins satisfying Requirement 10 on day one. Findings report within 48 hours.

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Plans That Cover PCI-DSS

All ARIA plans include file integrity monitoring and PCI-mapped compliance reports. Enterprise adds firewall log ingestion for network-level visibility and database query monitoring.

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