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All merchants - whether they are brick-and-mortar, brick-and-click, or completely web-based - have both an obligation and an industry mandate to protect consumers' payment card data. The Payment Card Industry (PCI) Data Security Standards (DSS) provide guidelines on what merchants need to do to secure the sensitive data used in payment transactions. Following these guidelines will help a merchant vastly improve its information security, but PCI guidelines are just the beginning, not the endpoint - there still can be security gaps and risks in data handling.
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