What is the PCI Data Security Standard (PCI-DSS)?
The PCI Data Security Standard (PCI-DSS) is a set of guidelines designed to help companies protect their customers’ data. It is an international standard for protecting data that is maintained and enforced by the Payment Card Industry Security Standards Council (PCI SSC). In Pennsylvania, the PCI-DSS is enforced by the Commonwealth’s Office of Attorney General. The PCI-DSS includes 12 core requirements that must be met in order to ensure a secure environment. The requirements are divided into six key areas—building and maintaining a secure network, protecting cardholder data, maintaining vulnerability management programs, implementing strong access control measures, regularly monitoring and testing networks, and maintaining an information security policy—that must be followed to ensure the safety of customers’ data. The PCI-DSS applies to any organization or individual, regardless of size, that processes, stores, or transmits payment card data. All organizations that process payment cards, either directly or through third-party providers, must be compliant with the PCI-DSS. Organizations can become PCI-DSS compliant by following the requirements set forth in the standard. Noncompliance can result in fines and other penalties, including loss of payment card processing privileges. By following the PCI-DSS, organizations can protect their customers’ data and help ensure a safe online experience.
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