QSA_New_V4 Exam Dumps : Qualified Security Assessor V4 Exam

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.

There areseparate Attestation of Compliance (AOC) templatesfor different use cases, specifically formerchantsandservice providers, and forSAQsversusROCs. Each template is tailored to match the reporting needs of that assessment type.

Option A:✅Correct. PCI SSC publishes distinct AOC templates depending on whether the entity is a merchant or service provider, and depending on whether they are completing an SAQ or ROC.

Option B:❌Incorrect. The AOC is not signed by PCI SSC. It must be signed by the assessed entity and, where applicable, the QSA or ISA.

Option C:❌Incorrect. ROCs and SAQs use different AOC formats.

Option D:❌Incorrect. Both the entity and the assessor (if applicable)mustsign.

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.