Pci dss control objectives and requirements. Compliance helps protect cardholder information and strengthen overall security measures. Nov 19, 2025 · The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that all organizations that accept, process, store, or transmit credit card information maintains a secure environment. Frameworks, standards, and regulations are often used interchangeably. PCI Security Standards are developed and maintained by the PCI Security Standards Council to protect payment data throughout the payment lifecycle. Here are 20 Updated Frameworks & Standards you can use in your IT Audit process (2026-ready) covering governance, security, risk, privacy, cloud, resilience, and regulatory domains. Kratikal’s compliance consulting services are designed to help organizations navigate complex regulatory requirements with clarity and confidence. Learn its requirements, benefits and challenges. PCI DSS consists of twelve requirements, organized under six major objectives delineated by the PCI SSC. In practice, confusing them is one of the biggest reasons GRC programs fail. PCI DSS outlines 12 requirements for handling cardholder data securely including maintaining a secure network, organized into 6 objectives. This control objectives covers the following PCI DSS requirements: Requirement 7: Restrict access to system components and cardholder data by business need-to-know. It also presents an opportunity to leverage cardholder data security achieved through PCI DSS compliance for better protection of other sensitive business data – and to address compliance with other standards and regulations. 0 compliance means meeting the Payment Card Industry Data Security Standard requirements issued by the PCI Security Standards Council for any environment that stores, processes, or transmits cardholder data (the cardholder data environment, or CDE) as part of payment processing and credit card transactions. In the 2020 publication of this report, we presented several short-, medium- and long-term trends in PCI DSS compliance. A global forum that brings together payments industry stakeholders to develop and drive adoption of data security standards and resources for safe payments. There are no additional or deleted Learn PCI DSS 4. derstand how to maintain compliance with PCI DSS. Learn how Hicomply helps you meet compliance faster and more efficiently. What Is PCI DSS 4. Governance maturity? → ISO or COBIT Detailed control guidance? → NIST Architecture alignment? → SABSA Payment compliance? → PCI DSS Understanding how these frameworks complement each other In the 2020 publication of this report, we presented several short-, medium- and long-term trends in PCI DSS compliance. PCI Security Standards are technical and operational requirements set by the PCI Security Standards Council (PCI SSC) to protect cardholder data. 0 was published in March 2022, the PCI Security Standards Council (PCI SSC) has published a limited revision to the standard, PCI DSS v4. 0 contains 12 high-level requirements organized into six control objectives. Entities regulated by the Rule are obligated to comply with all of its applicable requirements and should not rely on this summary as a source of legal information or advice. PCI DSS requirements are a set of security controls that businesses must implement to protect credit card data and comply with the Payment Card Industry Data Security Standard (PCI DSS). What are the 12 requirements of PCI? The PCI DSS (Payment Card Industry Data Security Standard) is a security standard developed and maintained by the PCI Council. PCI DSS comprises 12 requirements organized into six control objectives designed to ensure that all organizations that process, store, or transmit credit card information maintain a secure environment. Hotels are high-risk for email-based fraud. For more information about the PCI SSC and the standards we manage, please visit www. 1. 📍COBIT 2019 To make this more manageable, the PCI DSS creates six high level objectives for card data security. PCI DSS controls are the security measures you must implement across the many potential touchpoints for cardholders’ data in their business environment to ensure data safety. PCI DSS (Payment Card Industry Data Security Standard) requirements are 12 core rules for securing cardholder data, grouped under six objectives: build secure networks, protect data, manage vulnerabilities, control access, monitor, and maintain a security policy. 0, HITRUST, SOC 2, and healthcare privacy/security, ensuring Phreesia’s governance program anticipates rather than reacts to changes. 0's 47 mandatory requirements that are now in effect. 1 objectives, especially secure transmission, access control, monitoring, and policy enforcement, even though SPF/DKIM/DMARC aren’t listed as explicit requirements. Learn here. As a consulting partner, Kratikal conducts gap assessments, risk evaluations, and control mapping aligned with standards such as ISO 27001, GDPR, PCI DSS, SOC 2, and other industry-specific frameworks. Compliance security testing validates controls and provides audit-ready evidence for HIPAA, SOC 2, PCI DSS, and cyber insurance requirements. You must meet all of these requirements to achieve compliance. The PCI DSS is composed of 12 requirements, which are divided into six categories: building and maintaining a secure network, protecting cardholder data, maintaining a vulnerability management program, implementing strong access control measures, regularly monitoring and testing networks, and maintaining an information security policy. The Director, GRC & Data Protection will stay current on evolving regulations, security standards, and best practices in domains such as PCI DSS 4. Let’s learn more about it. To make the process a little easier, we’ve created a checklist that goes through each of the 12 requirements and highlights key policy, process, and implementation steps. This guidance assumes readers are familiar with the PCI DSS requirements, testing procedures, and scoping guidance, and possess a basic understanding of computer information systems, networking techno A quick scan of the PCI DSS’s 300+ controls, 12 requirements, and six control objectives will make one thing abundantly clear: PCI compliance is no walk in the park. This guide breaks down each requirement, explains what it means in practice, and highlights the key sub-requirements that matter most for SaaS and fintech companies. These include the control implementation, security policies, and administrative processes designed to protect card data from unauthorized access. You should build and maintain a secure network and systems, protect account data, maintain a vulnerability management program, implement strong access control measures, regularly monitor and test networks, and maintain an information security policy. Think of the objectives as what you’ll achieve with PCI DSS compliance, while the 12 requirements tell you exactly how to get there. Management guidelines: Helps assign responsibility, agree on objectives, measure performance, and illustrate interrelationship with other processes. The 12 PCI DSS requirements are organized into six primary objectives. Instead, start with proven frameworks like ISO/IEC 27001, SOC 2, or PCI DSS and then adapt them intelligently to your The PCI Security Standards Council defines network security controls (NSCs) as firewalls and other network security technologies, which typically control network traffic between two or more logical or physical network segments (or subnets) based on predefined policies or rules. This article will serves as a “jumping off point” to understanding the 12 requirements of the PCI DSS. Jan 1, 2022 · PCI DSS requirements and control objectives apply to all companies that process payments by card. These twelve requirements support the six higher level objectives, and work together to safeguard payment card account data. Key takeaways PCI DSS compliance is essential for businesses handling cardholder data, as it protects against data breaches and enhances customer trust. SOC 2: Service Organization Control 2 SOC 2 is an auditing framework developed by the American Institute of Certified Public Accountants (AICPA), jointly maintained with CIMA (Chartered Institute of Management Accountants). PCI DSS is a set of security policies that protect credit and payment card data and transactions. Every requirement is a specific common sense security step that helps businesses satisfy the relevant objective. PCI-DSS is not just a compliance framework but a formidable shield against cyber threats, ensuring that organizations handling payment card data adhere to stringent security measures. PCI DSS also applies to all companies that store, transmit, or contact protected cardholder data. Learn what security frameworks are, explore 15+ compliance, risk, and detection frameworks side by side, and discover how to choose the right one for your organization. PCI DSS Requirements PCI DSS consists of 12 requirements grouped into six control objectives, ensuring organizations that process, store, or transmit credit card data maintain a secure environment. “PCI DSS represents the best available framework to guide better protection of cardholder data. Organizations looking to get PCI DSS compliant must fulfill 12 requirements, categorized under 6 control objectives. PCI DSS provides a baseline of technical and operational requirements designed to protect payment account data. This decision makes meeting PCI DSS objectives and requirements a necessary consideration in order to validate compliance for enforcement organizations. The different PCI Standards support different stakeholders and functions within the payments industry. Complete guide covering authentication, encryption, logging, and vulnerability management. 0. There’s no trophy for writing your own control library line by line. Control objectives: Provides a complete set of high-level requirements to be considered by management for effective control of each IT process. Meet PCI DSS requirements with Visual Guard: role-based access control, strong authentication, immutable audit logging, monitoring, and compliance reporting for cardholder data protection. An information security management system that meets the requirements of ISO/IEC 27001 preserves the confidentiality, integrity and availability of information by applying a risk management process and gives confidence to interested parties that risks are adequately managed. Organizations must map the controls based on inputs from the IT, security teams and other functions that come in contact with cardholders’ data. And you must pay due attention Jan 12, 2026 · PCI DSS includes 12 principal requirements organized under six control objectives: build secure networks, protect account data, maintain vulnerability management programs, implement access controls, monitor and test networks regularly, and maintain information security policies. The Payment Card Industry Data Security Standard (PCI DSS) is a framework developed to help secure and protect all payment card account data. To address stakeholder feedback and questions received since PCI DSS v4. Each of these has one or more requirements supporting it, and each requirement has many items to assess. org. The PCI-DSS control objectives ensure that all companies handling credit card information maintain essential security standards to prevent data breaches and fraud. These objectives are then subdivided into the twelve PCI DSS requirements you’re likely familiar with. It includes corrections to formatting and typographical errors and clarifies the focus and intent of some of the requirements and guidance. 0 Compliance? PCI DSS 4. The 12 PCI DSS compliance requirements fall under six specific control objectives. Read on to get the insights you need to protect your data. Examples include merchants, service p oviders, acquirers (merchant banks), and issuers. As an IT professional at the company, you are asked to identify appropriate best practices for PCI DSS, specific to the company’s IT environment, and make recommendations to IT management. It specifies criteria — the Trust Services Criteria (TSC) — against which an independent CPA firm evaluates and reports on the controls of a service organization Email authentication supports PCI DSS 4. The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards that helps companies protect cardholder data and reduces the Discover the essentials of PCI DSS, its objectives, key components, and compliance steps to protect cardholder data and reduce data breach risks. This GRC Study Notes Part 2 breaks that Homepage for Precast/Prestressed Concrete Institute, the technical institute and trade association for the precast concrete structures industry. PCI DSS v4. PCI Data Security Standard (PCI DSS) PCI DSS was developed to encourage and enhance payment card account data security and facilitate the broad adoption of consistent data security measures globally. pcisecuritystandards. 1 Introduction Since the inception of the Payment Card Industry Data Security Standard (PCI DSS), compliance with PCI DSS has steadily increased among organizations that store, process, and transmit cardholder data. Understand the 12 PCI DSS requirements with clear guidance and examples. Its purpose is to help secure and protect the entire payment card ecosystem. This compliance was established to help protect credit and debit card transactions from data theft and fraud. Unlock the 12 key PCI DSS compliance requirements to ensure your business is secure. The PCI DSS (Payment Card Industry Data Security Standard) is a security standard developed and maintained by the PCI Council. In the case of PCI DSS, there are six (6) high level objectives the PCI SSC have identified. Navigate the 12 security requirements for PCI DSS compliance and how to implement them into your organization. The standards apply to all entities that store, process or transmit cardholder data – with requirements for software developers and manufacturers of applications and devices used in those transactions. 0 compliance checklist — all 12 requirements covering network security, encryption, access control, monitoring, and security testing. ”. This Quick Reference Guide to the PCI Data Security Standard (PCI DSS) is provided by the PCI Security Standards Council (PCI SSC) to inform and educate merchants and other entities involved in payment card processing. The Cloud Security Alliance (CSA) leads the industry in offering cloud security-specific research, education, certification, events and best practices. Organizations must adhere to the 12 specific PCI DSS requirements, grouped under six strategic control objectives. To make it easier for entities to review the complete requirements of the Rule, provisions of the Rule referenced in this summary are cited in the end notes. What is PCI DSS? PCI DSS is a set of security standards developed by MasterCard, Visa, Discover, JCB International, and American Express governed by the PCI SSC (Payment Card Industry Security Standards Council). Discover the 6 PCI DSS goals to help achieve a better understanding of the prinicples, objectives, requirements for compliance. du0r, gkludk, g7i2u, wocvzq, aolu, ajbm, qsko3, atihu, cqid8, ppkt,