PCI DSS v4.0.1

Defines security requirements for organizations that store, process, or transmit payment card data, covering network security, access control, encryption, and monitoring. Applies to merchants, payment processors, acquirers, and service providers in the payment card ecosystem.

342

Rules extracted

1,532

Obligations decomposed

4.5x

Avg obligations per rule

🇺🇸 United States

Jurisdiction

What AuditDSS covers

Source

1

Regulation

Extracted

342

Rules

Decomposed

1,532

Obligations

4.5x

Decomposition ratio

Each rule is decomposed into an average of 4.5 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 1,532 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in PCI DSS is scored across independent risk dimensions:

W

Obligation Weight

How critical within the regulatory framework

L

Violation Likelihood

How often breached in practice

E

Enforcement Evidence

Regulator enforcement history and penalties

C

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title
PCI DSS v4.0.1
Regulatory body
PCI Security Standards Council
Jurisdiction
🇺🇸 United States
Document type
standard
Effective date
June 11, 2024

Who this applies to

merchantspayment processorsacquirersissuersservice providers handling cardholder data

Key requirements

  • network security controls
  • strong access control
  • cardholder data protection
  • encryption in transit and at rest
  • vulnerability management
  • monitoring and testing
  • security policy maintenance

Frequently asked questions about PCI DSS

What is PCI DSS?

Defines security requirements for organizations that store, process, or transmit payment card data, covering network security, access control, encryption, and monitoring. Applies to merchants, payment processors, acquirers, and service providers in the payment card ecosystem.

Who does PCI DSS apply to?

PCI DSS applies to merchants, payment processors, acquirers, issuers, service providers handling cardholder data.

How many obligations does PCI DSS contain?

AuditDSS has decomposed PCI DSS into 1,532 atomic obligations from 342 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of PCI DSS?

The key requirements include: network security controls, strong access control, cardholder data protection, encryption in transit and at rest, vulnerability management, monitoring and testing, security policy maintenance.

How can I assess my PCI DSS compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 1,532 PCI DSS obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces PCI DSS?

PCI DSS is enforced in United States by PCI Security Standards Council.

When did PCI DSS come into effect?

PCI DSS became effective on June 11, 2024.

What industry does PCI DSS apply to?

PCI DSS is primarily relevant to the Medical Devices & Diagnostics industry. AuditDSS covers 64 regulations in this industry sector.

Build a PCI DSS compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for PCI DSS — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering PCI DSS requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine PCI DSS with other regulations into a single unified compliance pack for your business.

Already have a policy? Assess it against PCI DSS

1

Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

2

AI maps against 1,532 obligations

Your document is scored against every obligation in PCI DSS. Each claim is mapped to the obligation tree and evaluated for coverage.

3

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.

Related regulations in Medical Devices & Diagnostics

Assess your PCI DSS compliance

Upload your document and get a risk-scored gap analysis against 1,532 PCI DSS obligations in under 5 minutes.