I keep seeing the term PCI DSS pop up in security conversations and compliance checklists, but I’ll be honest I don’t fully get what it is.
Is it only for banks? Does it apply to regular companies too? And what exactly are we supposed to be “compliant” with?
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You’re not alone; PCI DSS sounds intimidating until you break it down.
It stands for Payment Card Industry Data Security Standard. In simple terms, it’s a set of security rules designed to protect credit and debit card data.
If your organization stores, processes, or transmits cardholder information even indirectly, PCI DSS applies to you. That includes retail, healthcare, SaaS companies, hospitality, and pretty much anyone who accepts card payments.
To add to that, PCI DSS isn’t a law; it’s a security standard enforced by payment card companies (like Visa, Mastercard, etc.).
The goal isn’t to make life difficult; it’s to reduce fraud by ensuring basics like:
So, it’s less about paperwork and more about good security hygiene around payment data.
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