{"id":3927,"date":"2024-12-12T18:47:35","date_gmt":"2024-12-12T13:17:35","guid":{"rendered":"https:\/\/in.nttdatapay.com\/blog\/?p=3927"},"modified":"2025-07-10T11:45:13","modified_gmt":"2025-07-10T06:15:13","slug":"what-is-pci-dss-compliance","status":"publish","type":"post","link":"https:\/\/in.nttdatapay.com\/blog\/what-is-pci-dss-compliance\/","title":{"rendered":"What is PCI DSS Compliance? A Complete Guide"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">PCI DSS compliance is essential for any business that processes, stores, or transmits credit card data. All major credit card companies require compliance with PCI DSS. PCI DSS compliance consists of 12 main requirements that must be met.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">The goal is to put robust <a href=\"https:\/\/in.nttdatapay.com\/blog\/payment-gateway-security-measures\/\">security measures<\/a> in place to prevent data breaches and the theft of financial information. Maintaining an ongoing PCI compliance program is essential as customers show more interest in online shopping and sharing financial data.\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Let\u2019s explore a comprehensive overview of exactly what is PCI DSS compliance entails. Let\u2019s discuss the 12 requirements in detail and how to properly assess, achieve, and maintain compliance on an ongoing basis.\u00a0\u00a0\u00a0<\/span><\/p>\r\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2460-o1\" lang=\"en-GB\" dir=\"ltr\" data-wpcf7-id=\"2460\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/3927#wpcf7-f2460-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2460\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.4\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_GB\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2460-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"cus-form\">\n\t<p style=\"font-size: 24px;font-weight: 600;text-align: center;\">Enquire Now\n\t<\/p>\n\t<p><label>Products Required:<\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"products\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" name=\"products\"><option value=\"Payment Gateway\">Payment Gateway<\/option><option value=\"POS Machine\">POS Machine<\/option><option value=\"Reseller\">Reseller<\/option><\/select><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"uname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"uname\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"tel\" name=\"phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"10\" rows=\"3\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea form-control\" aria-invalid=\"false\" placeholder=\"Message\" name=\"message\"><\/textarea><\/span><br \/>\n\t\n\t<input class=\"wpcf7-form-control wpcf7-hidden\" id=\"utm\" value=\"\" type=\"hidden\" name=\"utm\" \/><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n\t<\/p>\n<\/div>\n<style>\n.cus-form .form-control{width: 100%!important;margin: 7px 0px;padding: 8px;border-radius: 3px;height: auto;line-height: 20px;}\n.cus-form{display: block;margin: 0 auto;max-width: 400px;width: 100%;padding: 20px;box-shadow: 0px 0px 4px 0px #0000002b;border-radius: 6px;margin-bottom: 25px;padding-bottom: 0px;}\n.cus-form .wpcf7-submit{margin: 0 auto;display: block;}\n.cus-form h3{background: #ff6644;text-align: center;margin: -21px;margin-bottom: 20px;padding: 6px;}\n<\/style>\n<p><script>\ndocument.getElementById(\"utm\").value = window.location.href;\n\ndocument.addEventListener( 'wpcf7mailsent', function( event ) {\n location = 'https:\/\/in.nttdatapay.com\/blog\/thankyou\/';\n}, false );\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n<h2><span style=\"font-weight: 400;\">A Complete Guide on PCI DSS Compliance<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/in.nttdatapay.com\/blog\/eco-friendly-payment-cards\/\">Payment card<\/a> data security and compliance with industry standards are significant for businesses. As e-commerce continues to grow rapidly, so does the threat for organisations that process, store, or transmit credit card information. With increased online shopping and the rise of <\/span><a href=\"https:\/\/in.nttdatapay.com\/blog\/digital-wallets-future-of-online-payment-system\/\"><span style=\"font-weight: 400;\">mobile wallets<\/span><\/a><span style=\"font-weight: 400;\">, more payment transactions occur digitally every day.\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">As a result, payment cards have become one of the most lucrative targets for hackers worldwide. To help combat fraud and safeguard consumers, the major card brands developed the Payment Card Industry Data Security Standard (PCI DSS). PCI DSS compliance is mandatory, but many organisations still need help with complete adherence to strict standards.<\/span><\/p>\r\n<h2 style=\"text-align: center;\"><span id=\"Recent_Web_Stories\">Recent Web Stories<\/span><\/h2>\r\n\t\t<div class=\"web-stories-list alignnone has-archive-link is-view-type-circles is-style-default is-carousel\" data-id=\"1\">\n\t\t\t<div\n\t\t\tclass=\"web-stories-list__inner-wrapper carousel-1\"\n\t\t\tstyle=\"--ws-circle-size:150px\"\n\t\t\t>\n\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"web-stories-list__carousel circles\"\n\t\t\t\t\tdata-id=\"carousel-1\"\n\t\t\t\t\tdata-prev=\"Previous\"\n\t\t\t\t\tdata-next=\"Next\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/future-of-digital-currency-how-to-use-cbdc-in-india\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"Future of Digital Currency: How to Use CBDC in India\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/top-reasons-why-online-payment-fails\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"10 Top Reasons Why Online Payment Fails?\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/what-are-upi-transaction-mistake\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"What Are UPI Transaction Mistake?\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/book-tickets-on-irctc-with-international-debit-credit-cards\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-640x853.jpg\"\n\t\t\t\t\t\talt=\"Book Tickets on IRCTC with International Debit &#038; Credit Cards\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/how-to-create-a-payment-gateway-api\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"How To Create a Payment Gateway API?\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div tabindex=\"0\" aria-label=\"Previous\" class=\"glider-prev\"><\/div>\n\t\t\t\t\t<div tabindex=\"0\" aria-label=\"Next\" class=\"glider-next\"><\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\r\n<h2><span style=\"font-weight: 400;\">What is PCI DSS Compliance?\u00a0<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">PCI DSS\u00a0 is a set of security standards developed by the major credit card brands to help businesses keep cardholder data secure. Any organisation that handles credit <a href=\"https:\/\/in.nttdatapay.com\/blog\/card-transactions-at-pos-and-atm\/\">card transactions<\/a> must comply with PCI DSS.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">A Brief History of PCI DSS\u00a0<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">Before PCI DSS, each major credit card brand, like Visa, Mastercard, American Express, etc., had individual security standards. This caused problems for merchants who had to comply with multiple varying standards.\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">In 2004, the major card brands came together to develop a unified set of security standards called the Payment Card Industry Data Security Standard, or PCI DSS for short. Since then, PCI DSS has continued to evolve through regular updates by the PCI Security Standards Council (PCI SSC) to address emerging threats.\u00a0<\/span><\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><em><strong>Did you know?<\/strong><\/em> <span style=\"font-weight: 400;\">As of today, Nov 23, The current PCI DSS version has been updated to 4.0, launched on March 31, 2022. Organisations should respond proactively between the standard&#8217;s publication and its effective date, just like with any significant compliance framework change.<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><span style=\"font-weight: 400;\">12 Requirements of PCI DSS Compliance<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">At its core, PCI DSS compliance involves meeting 12 specific security requirements. These requirements address everything from firewall configuration to access control and more.\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Here&#8217;s a quick overview of the 12 PCI DSS requirements:<\/span><\/p>\r\n<ol>\r\n<li><span style=\"font-weight: 400;\"> Set up firewalls to safeguard cardholder information<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Change vendor-supplied passwords and security parameters<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Protect stored cardholder data<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Transmit cardholder data across public networks using encryption<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Use and regularly update antivirus software<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Create and manage safe apps and systems<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Limit cardholder data access based on business requirements<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Assign unique IDs for each person with access to the systems\u00a0<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Restrict physical access to cardholder data<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Keep track of and monitor all network resources and cardholder data access<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Regularly test security systems and processes<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Maintain an information security policy.<\/span><\/li>\r\n<\/ol>\r\n<p><span style=\"font-weight: 400;\">Meeting all 12 of these requirements involves technical security controls as well as policies and procedures. Let\u2019s explore these 12 requirements in detail.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">1. Set Up Firewalls To Safeguard Cardholder Information:<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Firewalls act as the first line of defence, restricting what traffic can enter\/exit networks. Organisations must install hardware and software firewalls to properly segment and protect the cardholder data environment. Firewall rules and configurations need to be optimised and regularly reviewed\/updated.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">2. Change Vendor-Supplied Passwords And Security Parameters:\u00a0<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Default passwords and configurations from vendors are easy targets for hackers. Merchants must change all default credentials and ensure strong, unique passwords are used for systems like routers, WiFi networks, POS devices, etc.\u00a0<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">3. Protect Stored Cardholder Data:<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Card data needs to be inventoried so it is known where exactly it resides. Any storage of card data must be minimised and encrypted. Merchants should diagram their payment flows to understand how card data moves in\/out of their systems.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">4. Transmit Cardholder Data Across Public Networks Using Encryption:<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Any transmission of card numbers, like during remote backups or email receipts, must be encrypted in transit. Encryption helps prevent snooping\/alteration of sensitive data on less secure networks.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">5. Use And Regularly Update Antivirus Software:\u00a0<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Keeping systems patched and updated with the latest antivirus definitions helps block malware used in many data breaches. Automated, regular scans need to be configured to catch any infections before they can spread.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">6. Create And Manage Safe Apps And Systems:<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">All devices and software involved in payments must have the latest patches applied, the most robust authentication enabled, and be developed\/configured securely following principles of least privilege. This reduces vulnerabilities attackers exploit.\u00a0<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">7. Limit Cardholder Data Access Based On Business Requirements:<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Employees and third parties should only access payment systems and data necessary for their jobs. Access rights must be documented and limited in scope to <a href=\"https:\/\/in.nttdatapay.com\/blog\/how-to-prevent-fraudulent-transactions\/\">prevent data leaks or fraudulent<\/a> use in case of a compromise.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">8. Assign Unique Ids For Each Person With Access To Systems:<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Individual user accounts help with access control and auditing. Reusing the same credentials or sharing accounts undermines security. Unique, complex passwords should be enforced to strengthen authentication.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">9. Restrict Physical Access To Cardholder Data:<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Access to POS terminals, servers, and paper receipts containing card numbers need to be physically secured. Logging and monitoring of equipment locations helps prevent theft or tampering with hardware.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">10. Keep Track Of And Monitor All Network Resources And Cardholder Data Access:<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Logging access to critical systems and flagging anomalous behaviour helps detect intrusions and data breaches. Logs need to be sent securely to a centralised system and retained as per PCI standards.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">11. Regularly Test Security Systems And Processes:<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Vulnerability scanning and penetration testing ensure controls are working to block external and internal threats. It also helps identify new vulnerabilities to patch and process gaps to strengthen before a real attacker finds them.\u00a0\u00a0<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">12. Maintain An Information Security Policy:\u00a0\u00a0<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Documented security policies set the baseline for protecting cardholder data and guide employees in handling sensitive information responsibly. These need to be reviewed and enforced through training and audits.\u00a0\u00a0\u00a0<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">Why is PCI DSS Compliance Important?<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">There are a few key reasons why PCI DSS compliance is important for any business that processes credit cards:<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">1. Avoid Fines and Fees<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">If a data breach occurs due to non-compliance, businesses can face major fines from payment brands as well as litigation costs. Fines can be up to $500,000 per incident.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">2. Maintain Ability to Process Cards<\/span><\/h3>\r\n<p><a href=\"https:\/\/in.nttdatapay.com\/blog\/payment-gateway-vs-payment-processor\/\"><span style=\"font-weight: 400;\">Payment processors<\/span><\/a><span style=\"font-weight: 400;\"> require merchants to validate PCI DSS compliance annually. Non-compliance can result in the inability to accept credit card payments.\u00a0<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">3. Protect Customer Data<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Following PCI DSS helps businesses properly secure sensitive cardholder data and prevent data breaches. This builds customer trust.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">4. Fulfil Regulatory Obligations<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">In some jurisdictions, failure to protect customer payment data can result in regulatory penalties from government agencies.<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">5. Lower Insurance Costs<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Compliant businesses may pay lower rates for data breach insurance since they can demonstrate security best practices.\u00a0<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">6. Gain Competitive Advantage\u00a0<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">Consumers are becoming increasingly security-conscious. PCI compliance shows customers a business takes security seriously.<\/span> <span style=\"font-weight: 400;\">PCI DSS helps businesses avoid significant financial and legal consequences of non-compliance while protecting their brand reputation. Gaining and maintaining PCI compliance is critical.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">Accessing Your PCI DSS Compliance<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">The first step is assessing your current PCI DSS compliance posture. This involves the following:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identify All Systems That Store, Process, or Transmit Cardholder Data<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Document All Hardware, Software, and Services Related to Card Processing\u00a0\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review Documentation for Firewalls, Access Controls, Encryption, etc.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verify Proper Configuration of Security Controls<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review Security Policies and Procedures Documents<\/span><\/li>\r\n<\/ul>\r\n<p><span style=\"font-weight: 400;\">Businesses then complete a Self-Assessment Questionnaire (SAQ) provided by the PCI SSC based on their business and technologies. This helps identify any gaps in compliance.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">From there, a Report on Compliance (ROC) is conducted by an internal security assessor or external Qualified Security Assessor (QSA), depending on the organisation&#8217;s validation level. The ROC validates <a href=\"https:\/\/in.nttdatapay.com\/blog\/compliance-requirements-for-payment-gateway\/\">compliance requirements<\/a> have been met.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">Get Your PCI DSS Compliance With NTT Data Payment Services<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">PCI DSS compliance is crucial for any organisation that handles credit card information. While it requires ongoing effort, non-compliance poses far greater risks. <\/span><a href=\"https:\/\/www.nttdatapay.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">NTT DATA Payment Services <\/span><\/a><span style=\"font-weight: 400;\">has helped many businesses meet these important security standards through its comprehensive payment solutions.\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">NTT DATA Payment Services offers a complete payment solution to advance both your offline and online businesses <\/span>from, <span style=\"font-weight: 400;\"><!-- \/wp:post-content -->\r\n\r\n<!-- wp:list --><\/span><\/p>\r\n<ul><!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/online-payment-gateway-india\" target=\"_blank\" rel=\"noopener\">Online Payment Gateway in India<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/swipecard-pos-machine\" target=\"_blank\" rel=\"noopener\">POS machines<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/ivr-payment-system\" target=\"_blank\" rel=\"noopener\">IVR payments<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li>Mobile applications, and<\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/in.nttdatapay.com\/blog\/bharat-qr-code-how-it-works-and-benefits\/\">Bharat QR Scan and Pay<\/a><\/li>\r\n<!-- \/wp:list-item --><\/ul>\r\n<p><span style=\"font-weight: 400;\"><!-- \/wp:list -->\r\n\r\n<!-- wp:paragraph --><\/span> We<span style=\"font-weight: 400;\">\u00a0ensure maximum comfort, convenience, and safety for all your payments.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">Achieving And Maintaining PCI DSS Compliance\u00a0<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">While it may require initial investments of time and resources, non-compliance poses far greater risks to a business through fines, lawsuits, reputation damage, and inability to accept card payments; following a compliance program helps ensure customer payment data is always protected to the highest standards.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Prioritising payment security with PCI DSS requirements is the best way for businesses to drive growth safely and securely. Compliance builds confidence for customers and gives merchants peace of mind that their systems are robustly defended.\u00a0\u00a0\u00a0<\/span><\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:table -->\r\n<figure class=\"wp-block-table\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td style=\"text-align: center;\"><em>Also, you can get frequent updates on <a href=\"https:\/\/www.instagram.com\/nttdatapayments\/\" target=\"_blank\" rel=\"noopener\">nttdatapayments<\/a> Instagram page.<\/em><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n<h2 style=\"text-align: center;\"><span style=\"font-weight: 400;\">PCI DSS compliance: FAQs<\/span><\/h2>\r\n<h4><strong>1. What is the PCI compliance guide?<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">The PCI compliance guide outlines the Payment Card Industry Data Security Standard (PCI DSS). This standard contains 12 main requirements that companies must follow to process, store, and transmit cardholder data securely.<\/span><\/p>\r\n<h4><strong>2. What are the 4 things that PCI DSS covers?\u00a0<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">PCI DSS covers the following 4 main things<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">firewall configuration<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">access controls<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">encryption of cardholder data<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">regular security updates<\/span><\/li>\r\n<\/ul>\r\n<p><span style=\"font-weight: 400;\">It aims to protect credit card information and prevent breaches.<\/span><\/p>\r\n<h4><strong>3. Who needs PCI compliance?<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">Any business, large or small, that accepts, processes, transmits or stores cardholder data is required to comply with PCI DSS. This includes merchants, processors, and providers of card payment solutions.\u00a0<\/span><\/p>\r\n<h4><strong>4. How often must PCI compliance be validated?<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">PCI compliance must be validated annually through a Report on Compliance. Merchants processing over 6 million Visa transactions annually must validate quarterly. Smaller businesses may only need validation every 12-24 months.<\/span><\/p>\r\n<h4><strong>5. What happens if a company is non-compliant?\u00a0<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">Non-compliant companies risk fines of up to $500,000 per incident and could lose the ability to accept credit cards. They also face higher data breach costs and insurance rates. Maintaining PCI compliance helps avoid these issues and protects customer payment data. \u00a0 <\/span><\/p><!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>PCI DSS compliance is essential for any business that processes, stores, or transmits credit card data. All major credit card companies require compliance with PCI DSS. PCI DSS compliance consists&#8230; <!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":4723,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,16],"tags":[97],"class_list":["post-3927","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","category-payment","tag-what-is-pci-dss-compliance"],"_links":{"self":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/3927","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/comments?post=3927"}],"version-history":[{"count":5,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/3927\/revisions"}],"predecessor-version":[{"id":4378,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/3927\/revisions\/4378"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/media\/4723"}],"wp:attachment":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/media?parent=3927"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/categories?post=3927"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/tags?post=3927"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}