What is PCI DSS Compliance?

Understanding PCI DSS Compliance

Payment Card Industry Data Security Standard (PCI DSS) compliance governs how organizations handle credit card information, establishing detailed requirements that any business accepting, processing, storing, or transmitting card data must follow. Created by major card brands (Visa, Mastercard, etc.), it includes twelve core requirements covering everything from network security and encryption to access controls and vulnerability management. What makes PCI compliance particularly challenging is its prescriptive nature—specifying exactly how certain controls must be implemented rather than just what outcomes are required. The compliance process typically involves completing self-assessment questionnaires or undergoing formal assessments by Qualified Security Assessors, depending on transaction volume. Non-compliance can result in substantial penalties, including increased transaction fees, fines, or even losing the ability to process card payments. Many organizations struggle with scope management—ensuring card data doesn't spread throughout their environment, which would subject those systems to PCI requirements.