PCI

Payment Card Industry (PCI) refers to the debit, credit, ATM and EFT POS cards and associated businesses. The term is sometimes used more specifically to refer to the Payment Card Industry Security Standards Council (PCI SSC) , an independent body formed by American Express, Discover Financial Services, JCB International , MasterCard Worldwide and VISA Incorporated back in 2006 to manage the ongoing evolution of the Payment Card Industry Data Security Standard (PCI DSS)

PCI DSS are security standards required by merchants and other service providers to ensure the protection of cardholder data.

While the PCI SSC is responsible for managing the PCI DSS, enforcing compliance with PCI DSS is left up to the council’s founding members utilising Qualified Security Assessors (QSA). All QSA’s are trained and registered through the PCI SSC.

The primary goal of PCI DSS is to protect cardholder data and compliance with these security standards applies to all organisations that store, process and/or transmit cardholder data. The PCI DSS also provides guidelines for software developers and manufacturers of applications and devices used in these transactions.

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