- Finance

Who Needs to Comply with PCI DSS? A Comprehensive Guide


The security of sensitive payment card information is paramount in today’s technologically advanced world. Like how Data Protection Trustmark (DPTM) Certification demonstrates accountable data protection practices, the Payment Card Industry Data Security Standard (PCI DSS) also has its own set of advantages and disadvantages, importance, and industries that will best benefit from its power. PCI DSS was established to ensure that organisations handling cardholder data maintain a secure environment. Compliance with PCI DSS is not optional for certain businesses—it is an essential requirement.

Here are the details and a comprehensive guide on who needs to comply with PCI DSS:

  1. Merchants: Merchants, whether small, medium, or large, are at the forefront of those who need to comply with PCI DSS. Does your business accept, process, store, or transmit cardholder data? Then compliance is mandatory. This includes retailers, e-commerce platforms, restaurants, hotels, and other establishments handling payment cards directly.
  1. Service Providers: Service providers play a crucial role in supporting merchants. They are also subject to PCI DSS Does your organisation provide services—from hosting, payment processing, and data storage to any other service that handles cardholder data? Compliance is a must. PCI DSS ensures cardholder data security throughout the entire payment processing chain.
  1. Financial Institutions: Banks, credit card issuers, and other financial institutions are responsible for issuing payment cards and processing transactions. To safeguard cardholder data, financial institutions must comply with PCI DSS. By doing so, they maintain the integrity of the payment ecosystem and provide secure financial services to their customers.
  1. Software Developers: Software developers who create applications or systems that handle cardholder data also fall under the scope of PCI DSS compliance. Be it developing point-of-sale (POS) software, e-commerce platforms, or payment gateways. Adherence to PCI DSS requirements is vital to ensure the secure handling of sensitive information.
  1. Call Centers: Organisations that handle customer payment information over the phone, such as call centres or customer service departments, should also comply with PCI DSS. These entities must establish and maintain stringent security measures to protect cardholder data during the course of telephone transactions.

  1. Third-Party Vendors: Businesses that outsource certain functions to third-party vendors, such as data storage, payment processing, or IT support, must ensure that these vendors are PCI DSS compliant. Verifying the compliance of vendors through assessments and contracts is essential to maintain a secure environment for cardholder data.
  1. Online Marketplaces: The rise of online marketplaces has necessitated PCI DSS compliance for these platforms. Online marketplaces that process payments on behalf of sellers or allow sellers to store cardholder data must adhere to PCI DSS guidelines to safeguard the information of both buyers and sellers.
  1. Mobile Payment Providers: As mobile payments become increasingly popular, mobile payment providers are required to comply with PCI DSS. Whether through mobile apps, contactless payments, or virtual wallets, these providers must ensure cardholder data security in mobile payment transactions.
  1. Healthcare Organisations: Healthcare organisations that handle patient payments and process medical bills are also subject to PCI DSS compliance. Protecting patients’ financial information is crucial to maintaining trust and privacy in the healthcare industry.


In conclusion, understanding who shall comply with PCI DSS is crucial for any organisation that handles payment card information. By following the guidelines set forth by PCI DSS, businesses can safeguard sensitive data and maintain a secure environment. Remember, this compliance is not a mere formality—thus, it is an essential measure to protect cardholder data and maintain trust in your business. Failure to comply can result in severe consequences. These include financial penalties and loss of reputation. Take the necessary steps to ensure that your organisation is PCI DSS compliant. Protect your customers and your business from data breaches.

Don’t wait until it’s too late—prioritise PCI DSS compliance today and secure the future of your business. Work with Privasec. Start by enquiring on their website for more information today!

About Jones Steve

Read All Posts By Jones Steve