What is PCI DSS?
PCI DSS (Payment Card Industry Data Security Standard) v4.0 is the global standard for protecting payment card data. Released in March 2022 with mandatory compliance from March 31, 2025, PCI DSS v4.0 introduces 64 new requirements including customized approach validation, enhanced authentication requirements, and expanded scope for e-commerce. It applies to any organization that stores, processes, or transmits cardholder data — merchants, payment processors, acquirers, issuers, and service providers.
PCI DSS Key Requirements
The core areas you need to address for PCI DSS compliance.
Build and Maintain a Secure Network
Install and maintain network security controls (firewalls, network segmentation). Apply secure configurations to all system components.
Protect Cardholder Data
Protect stored account data with encryption. Protect cardholder data with strong cryptography during transmission over open, public networks.
Maintain a Vulnerability Management Program
Protect all systems and networks from malicious software. Develop and maintain secure systems and software.
Implement Strong Access Control
Restrict access to cardholder data by business need-to-know. Identify users and authenticate access. Restrict physical access to cardholder data.
Monitor and Test Networks
Log and monitor all access to network resources and cardholder data. Regularly test security systems and processes, including penetration testing.
Maintain an Information Security Policy
Establish, publish, maintain, and disseminate a security policy that addresses all PCI DSS requirements.
PCI DSS Compliance Checklist
Step-by-step checklist to achieve and maintain PCI DSS compliance.
How Long Does PCI DSS Compliance Take?
Typical timeline with Aristiun's compliance automation platform.
Scope Definition
1-2 weeksAI-powered cardholder data discovery and CDE scope definition. Aristiun maps data flows automatically.
Gap Assessment
2-3 weeksAutomated gap analysis against all 12 PCI DSS v4.0 requirements and 64 new requirements.
Remediation
4-8 weeksImplement missing controls, update configurations, and deploy required security measures.
Evidence Collection
ContinuousAutomated evidence gathering for all PCI DSS controls. No manual screenshots needed.
QSA Assessment
2-4 weeksAudit-ready documentation and reports streamline QSA review and SAQ/ROC completion.
How Much Does PCI DSS Compliance Cost?
Typical cost ranges depending on organization size and complexity.
Small Merchant (SAQ)
Self-assessment questionnaire compliance with automated evidence. Aristiun makes SAQ straightforward.
Mid-Size Merchant/SP
Full PCI DSS compliance with QSA assessment, vulnerability scanning, and penetration testing.
Large Enterprise/Processor
Complex multi-environment CDE, Level 1 merchant requirements, and continuous compliance monitoring.
PCI DSS Compliance FAQ
Common questions about PCI DSS compliance and automation.