Protecting customer data is critical for any business accepting online payment information. The Payment Card Industry Data Security Standard (PCI DSS), created by leading credit card companies, establishes best practices for protecting consumers’ information. By adhering to these standards, businesses can ensure that their customer’s personal and financial information is secure.
The PCI DSS security standards apply to any business that processes, stores, or transmits credit card information. Failure to comply with the PCI DSS can result in costly fines and penalties from credit card companies. It can also lead to a loss of customer trust, which can be devastating for any business.
PCI DSS 4.0 was released in March 2022 and will replace the current PCI DSS 3.2.1 standard in March 2025. That provides a three-year transition period for organizations to be compliant with 4.0.
The latest version of the standard will bring a new focus to an overlooked yet critically important area of security. For a long time, client-side threats, which involve security incidents and breaches that occur on the customer’s computer rather than on the company’s servers or in between the two, were disregarded. But that’s changing with the release of PCI DSS 4.0. Now, many new requirements focus on client-side security.
For example, requirement 6.3.2 now mandates that companies identify and list all their software, including any third-party software embedded in their environment. Requirement 6.3.3 requires updates for known vulnerabilities using available security patches and updates. Requirement 6.4.1 directs businesses to address new threats and vulnerabilities associated with public-facing web applications and address all known threats.
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