💳 PCI DSS stands for Payment Card Industry Data Security Standard—a global framework designed to protect credit and debit card data from theft and fraud. It was created by major card brands like Visa, MasterCard, and American Express, and is governed by the PCI Security Standards Council (PCI SSC).

🔐 What PCI DSS Is All About

It’s a set of security requirements for any organization that stores, processes, or transmits cardholder data. The goal? To keep sensitive payment info safe and secure.

📋 The 12 Core Requirements

Here’s a simplified look at the essentials:

1. Install and maintain secure network controls
2. Avoid default passwords and settings
3. Protect stored cardholder data
4. Encrypt transmission of cardholder data
5. Use and update antivirus software
6. Develop secure systems and applications
7. Restrict access to cardholder data
8. Assign unique IDs to users with access
9. Physically secure cardholder data
10. Track and monitor all access to network resources
11. Regularly test security systems and processes
12. Maintain a policy that addresses information security

🏢 Who Needs PCI DSS?

Any business that:

• Accepts credit or debit card payments
• Stores or processes cardholder data
• Operates online payment systems

📈 Compliance Levels

There are four levels, based on how many transactions a business processes annually. Larger merchants face stricter validation requirements.

⚠️ Why It Matters

• Protects customers from data breaches
• Avoids fines and penalties from card brands
• Builds trust with clients and partners
• Reduces risk of reputational damage

PCI DSS isn’t just a checklist—it’s a commitment to keeping payment data safe.