The Payment Card Industry Data Security Standard (PCI DSS) is the security standard that governs how organisations store, process, and transmit cardholder data. Any business that touches card data – merchants, platforms, and service providers – must comply, with the level of obligation scaling to transaction volume and how data is handled.

Non-compliance risks fines, higher processing costs, and liability after a breach, which is why reducing how much card data you touch is so valuable.

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