The Evolution of PCI DSS: What’s New in the Latest Version?

As the threat landscape continues to evolve, so too does the Payment Card Industry Data Security Standard (PCI DSS). Developed to safeguard cardholder data and ensure secure transactions, PCI DSS undergoes regular updates to address emerging risks and incorporate advancements in technology. In this blog post, we will explore the evolution of PCI DSS and highlight the key changes and updates introduced in the latest version.


The Purpose and Importance of PCI DSS:

Before delving into the latest version, it’s essential to understand the purpose and significance of PCI DSS compliance. The Payment Card Industry Data Security Standard (PCI DSS) serves a vital purpose in the realm of payment card security. Its primary objective is to protect the sensitive cardholder data that flows through various entities involved in payment card transactions, including merchants, service providers, and payment processors. PCI DSS sets out a comprehensive framework of security controls and best practices that organizations must adhere to in order to ensure the secure handling of cardholder data.

In addition to preventing credit card fraud, PCI compliance also safeguards consumer data. Data breaches are a growing concern in India, with hackers targeting businesses of all sizes to steal personal and financial information. Data breaches can have a detrimental impact on consumers, including identity theft, financial loss, and damage to their credit score. PCI compliance helps protect consumer data by requiring businesses to implement robust security measures and regularly monitor their networks for potential vulnerabilities. This includes maintaining up-to-date antivirus software, implementing secure firewalls, and regularly testing for vulnerabilities.

One of the primary advantages of PCI certification is that it helps prevent credit card fraud. Credit card fraud is a growing issue in India, with fraudsters using various tactics to obtain credit card information. Skimming is one of the most prevalent forms of credit card fraud, where criminals install devices on payment terminals or ATMs to acquire credit card information. PCI compliance helps prevent skimming and other types of credit card fraud by requiring businesses to maintain secure payment processing environments. This includes using encryption to safeguard credit card information during transmission, implementing secure passwords and access controls, and frequently monitoring for suspicious activity.

Overview of Previous Versions:

PCI DSS 3.0 emphasized the importance of defining and understanding the scope of cardholder data environment (CDE). It provided guidance on scoping, segmentation, and the inclusion/exclusion of systems and networks. Its updated version PCI DSS 3.2.1 provided expanded guidance on multi-factor authentication (MFA) to promote stronger user authentication. It clarified the requirements for implementing MFA and highlighted its importance in preventing unauthorized access. It provided expanded guidance on multi-factor authentication (MFA) to promote stronger user authentication. It clarified the requirements for implementing MFA and highlighted its importance in preventing unauthorized access.

The Latest Version: What’s New?

These are the 10 most notable new requirements when comparing PCI DSS v4.0 to v3.2.1 (all future-dated and effective from the 31st March 2025).

  • Detect and protect staff against phishing attacks
  • Bi-annual review of all user accounts and related access privileges
  • More stringent password requirements (length increasing from 7 to 12 characters, no hard-coding in the files or scripts.
  • Multi-factor authentication required for all access to Card Data Environment (CDE) vs administrative access to CDE previously
  • Revamp of multi-factor authentication requirements for secure implementation
  • Daily log reviews by use of automated mechanisms vs the option of manual reviews previously
  • Authenticated scanning for internal vulnerability scans
  • Address covert malware communication channels by use of intrusion detection/prevention techniques
  • More thorough, specific and targeted risk assessments
  • Regular PCI DSS scope confirmation including card data discovery techniques

Implications and Adoption Challenges:

To adhere to the forthcoming PCI DSS 4.0 requirements, businesses need to initiate necessary modifications. This entails identifying their web assets, their origins, examining code, and adhering to the recommended practices outlined in PCI 4.0. However, this process can present challenges for larger enterprises with extensive lines of code, as it may require an extensive amount of time to sift through and label each line, potentially spanning thousands of hours.


In this context, businesses should consider leveraging modern security solutions to aid their compliance with PCI 4.0. Automated content security policies can effectively identify all first-party and third-party scripts, digital assets, and their associated data access. Consequently, relevant content security policies can be generated. Organizations can also utilize monitoring and management tools to prevent unauthorized or unwanted web activity, such as blocking the exportation of cardholder data.


The modifications introduced in PCI DSS 4.0 signify that online businesses must take additional measures to safeguard their customer data. Companies aiming to stay ahead in terms of compliance should commence making the necessary changes promptly. This includes addressing prevalent client-side security risks proactively, mitigating potential exploitation by malicious actors



PCI DSS continues to evolve to address the ever-changing threat landscape and technological advancements. The latest version represents a significant step forward in strengthening security controls, promoting a risk-based approach, and adapting to emerging technologies. By understanding and embracing the updates introduced in the latest version of PCI DSS, organizations can better protect cardholder data, enhance security practices, and build trust with their customers and partners. Stay informed, stay compliant, and stay secure. To get more information, contact CyberSigma Consulting Services. We provide PCI Certification in India, Dubai, Egypt and APAC regions.



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