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PCI DSS Explained

If you take card payments, you'll need to be compliant.

If you store, process or transmit sensitive cardholder data then your organisation will be in scope for compliance with the Payment Card Industry Data Security Standard, known as PCI DSS.


You will need to achieve compliance as well as maintain it, every minute of every day to protect your business, your agents and your customers from the risk of fraud of the impact of a data breach. While not a legal obligation, it is required by the leading card companies for taking credit or debit card payments.

Here are a few interesting facts:

The threat of fines for non-compliance or the high costs if breaches occur is a firm driver for organisations to invest in compliance. For example, did you know?

  • The average cost per compromised record globally is $148 [1]
  • The average cost of a breach event globally is $3.86 million [1]
  • Non-compliance cost is an average of 2.71 times the cost of compliance [1]
  • Companies can also experience business disruption, reduced productivity, fees, penalties, other legal and non-legal settlement costs.
[1] IBM Ponemon Institute ‘Global cost of a data breach’ 2018

There is a positive side - PCI DSS compliance is increasingly important and may bring major challenges, but it brings benefits too. A former US Deputy Attorney General stated “if you think compliance is expensive, try non-compliance”

Card security small

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Finding this hard to understand? Then get in touch and let us help you meet your PCI DSS challenges.

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Benefits PCI DSS compliance


Trust with card data


Compliance means that your systems are secure and customers can trust you with their sensitive payment card information. Your customers will also have confidence in doing business with you. They are more likely to become repeat customers and recommend you to others.


Reputation for security


Compliance improves your reputation with acquirers and pay­ment brands — the partners you need for business. Customers will increasingly make purchasing decisions based around the security of their card details. Merchants that provide peace of mind will earn a reputation of trust and security.


Compliance and security


As data compromise becomes ever more sophisticated, it becomes difficult for merchants to stay ahead of each threat.


Becoming PCI DSS compliant is the first step. Now, you need to maintain it, every minute of every day to minimise the risk of security breaches and the theft of payment card data.

PCI DSS Explained

Get in touch today

Finding this hard to understand? Then get in touch and let us help you meet your PCI DSS challenges.

Get in touch today