Framework

PCI DSS

Payment Card Industry Data Security Standard compliance.

What Is PCI DSS?

PCI DSS is a global security standard for any organization that stores, processes or transmits cardholder data. It's mandated by the major card networks (Visa, Mastercard, etc.), not a government law, but enforced contractually through your payment processor.

Why It Matters

Card data is a top target for attackers because it's directly monetizable. Non-compliance discovered after a breach typically results in the card networks holding your business liable for fraud losses and fines — regardless of who was technically at fault.

Who Needs This

E-commerce, fintech, retail and any business processing, storing or transmitting card payments.

Cost of Non-Compliance

Non-compliance can result in fines of $5,000–$100,000 per month from card networks, increased transaction fees, or in serious breach cases, loss of the ability to process card payments entirely.

Key Benefits

Required to legally accept card payments through most processors
Significantly reduces risk of costly card-data breaches
Demonstrates trustworthiness to payment partners and customers
Scoping exercise often reveals unnecessary cardholder data sprawl to eliminate
Typical TimelineDepends on SAQ level — simpler merchants: 4–6 weeks; full Level 1 assessments: 3–6 months.

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