PCI DSS 4.0
Securing the Payment Card Ecosystem.
The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to enhance the security of payment card data, mandated by the major card brands.
Any organization that accepts, stores, processes, or transmits cardholder data must comply with PCI DSS. The standard is designed to protect cardholder data from theft and fraud.
- Type: Security Standard
- Core Idea: Protection of Cardholder Data
- Key Elements: 12 Core Requirements
Core Components
Understanding the structure of PCI DSS.
Applicability
Any organization that accepts, stores, processes, or transmits cardholder data.
Status
Effectively mandatory; non-compliance can result in losing the ability to process card payments.
Core Requirement
A prescriptive set of 12 core requirements covering network security, data protection, vulnerability management, access control, monitoring, and policy.
Key 4.0 Update
New requirements for client-side security to combat digital skimming (Magecart) attacks.
Perception
A non-negotiable baseline for any business handling payment cards.
Implementation & Strategy
Costs, timelines, and strategic considerations for adopting PCI DSS.
Estimated Project Costs
PCI DSS compliance costs can vary widely, depending on the size and complexity of the organization. A small organization might spend between $5,000 and $20,000, while a mid-sized organization could spend between $20,000 and $100,000. Large, enterprise-level organizations can exceed $100,000.
Implementation Strategy
A typical PCI DSS implementation starts with a scoping exercise to identify all the systems that are in scope for PCI DSS. From there, the organization can perform a gap analysis to identify any areas of non-compliance. The final step is to undergo a formal audit by a Qualified Security Assessor (QSA).
Comparisons
How PCI DSS stacks up against other security frameworks.