What Are the Main Requirements of PCI DSS?

• Build and Maintain a Secure Network Use firewalls and secure configurations to protect systems that store, process, or transmit card data. Lock down default settings and remove unused services to shrink the attack surface. Segment the cardholder data environment from the rest of the network to limit what an intruder can reach. Review network rules on a set schedule so old access does not linger.
• Protect Cardholder Data Encrypt cardholder data and limit storage so sensitive information is not kept longer than needed. Mask card numbers when displaying them so only authorized staff can view full details. Use strong management practices, including restricted access to encryption keys. Dispose of stored data safely once retention needs are met.
• Manage Vulnerabilities Use anti-malware tools, apply security patches, and run regular vulnerability scans to reduce risk. Keep an inventory of systems and software so patch work does not miss forgotten devices. Fix high-risk findings quickly, then re-scan to confirm the issue is gone. Use secure configuration standards to prevent common weaknesses from creeping back in.
• Control Access and Monitor Activity Limit access to card data to approved users only, and log activity to spot suspicious behavior early. Use strong authentication, such as multi-factor login, for admin access and remote access. Assign unique user IDs so actions trace back to a single person, not a shared account. Review logs and alerts regularly to catch unusual access patterns fast.
• Test Security and Maintain Policies Run security tests, document procedures, and train staff so PCI compliance stays consistent over time. Test incident response steps so the team knows what to do during a breach or suspected exposure. Keep written policies updated as systems, vendors, and workflows change. Record evidence of controls and reviews to support audits and internal checks.