PCI DSS v4.0 – In One Page

Protect Payment Data • Build Customer Trust • Reduce Fraud

What is PCI DSS?

PCI DSS (Payment Card Industry Data Security Standard) is a global standard that protects payment card data and reduces fraud. It applies to any organization that stores, processes, or transmits cardholder data.

Why PCI DSS Matters

Attackers target sensitive payment data such as:

PCI DSS helps secure payment environments and maintain customer trust.

The 12 PCI DSS v4.0 Requirements

Build & Maintain Secure Systems

  • Install and maintain network security controls
  • Apply secure configurations

Protect Account Data

  • Protect stored account data
  • Use strong cryptography

Vulnerability Management

  • Protect systems against malware
  • Develop and maintain secure systems

Strong Access Control

  • Restrict access by business need
  • Identify and authenticate users
  • Restrict physical access

Monitoring & Testing

  • Log and monitor access
  • Test security regularly

Security Governance

  • Support security with policies and programs

Key Security Controls

Firewalls • Encryption • MFA • Vulnerability Scanning • Patch Management • Access Management • Logging & Monitoring • Security Awareness

Example

Customer makes an online payment → Card data is processed, transmitted, or stored → Risk: Data exposure.

PCI DSS Controls: Encrypt data, enforce MFA, monitor activity, restrict access, and test controls regularly.

Simple Formula

Cardholder Data Protection + Strong Security Controls + Continuous Monitoring = PCI DSS

Who Must Comply?

Merchants, Banks, E‑Commerce Platforms, Service Providers, Payment Processors — anyone handling cardholder data.

Compliance Matters