The Payment Card Industry Data Security Standard: An Introductory Overview

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Executive Summary

PCI-DSS stands for Payment Card Industry Data Security Standard. The primary objective of PCI-DSS is to establish a set of requirements to protect cardholder information. Any merchant or service provider that stores, processes, or transmits cardholder payment data is required to be PCI compliant. In addition, there are requirements for software developers (PA-DSS) and certain hardware device manufacturers (PED Standard) that participate in the transaction process. PCIDSS compliance is mandatory for the respective parties involved. PCI-DSS encompasses 6 key areas with a total of 12 requirements. Merchants and service provider PCI-DSS compliance requirements are categorized according to the number of card transactions they process over a 12-month period.

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