I support the IT infrastructure for a small retail business which is now required to undergo a PCI-DSS assessment. The payment service and terminal provider (Streamline) has asked that we use Trustwave to do the PCI-DSS certification.

The problem I face is that if I answer all questions and follow Trustwave's requirements to the letter, we will have to invest significantly in networking equipment to segment LANs and /or do internal vulnerability scanning, while at the same time Streamline assures me that the terminals we have (Verifone VX670-B and MagIC3 X-8) are secure, don't store any credit card information and are PCI-DSS compliant so by implication we don't need to take any action to ensure their network security.

I'm looking for any suggestions as to how we can most easily meet the networking requirements for PCI-DSS.

Some background on our current network setup:

• single wired LAN, also with WiFi turned on (though if this creates any PCI-DSS complexities we can turn it off).
• single Netgear ADSL router. This is the only firewall we have in place, and the firewall is out the box configuration (i.e. no DMZ, SNMP etc). Passwords have been changed though :-)
• a few windows PCs and 2 windows based tills, none of which ever see any credit card information at all.
• two swipe terminals. Until a few months ago (before we were told we had to be PCI-DSS certified) these terminals did auth/capture over the phone. Streamline suggested we moved to their IP Broadband service, which instead uses an SSL encrypted channel over the internet to do auth/capture, so we now use that service.

We don't do any ecommerce or receive payments over the internet. All transactions are either cardholder present, or MOTO with details given over phone and typed direct into terminal. We're based in the UK.

As I currently understand it we have three options in order to get PCI-DSS certification.

1. segment our network so the POS terminals are isolated from all PCs, and set up internal vulnerability scanning on that network.
2. don't segment the network, and have to do more internal scanning and have more onerous management of PCs than I think we need (for example, though the tills are Windows based, they are fully managed so I have no control over software update policies, anti virus etc). All PCs have anti virus (MSE) and windows updates automatically applied, but we don't have any centralised
3. go back to auth/capture over phone lines.

I can't imagine we are the first merchant to be in this situation. I'm looking for any recommendations a simple, cost effective way to be PCI-DSS compliant - either by doing 1 or 2 above with (hopefully) simple and inexpensive equipment/software, or any other ways if there's a better way to do this. Or... should we just go back to the digital stone age and do auth/capture over the phone, which means we don't need to do anything on our network to be PCI-DSS certified?