Requirement 3 of the Payment Card Industry’s Data Security Standard (PCI DSS) is to “protect stored cardholder data.” The public assumes merchants and financial institutions will protect data on payment cards to thwart theft and prevent unauthorized use. But merchants should take note: Requirement 3 applies only if cardholder data is stored. Merchants who do not store any cardholder data automatically provide stronger protection by having eliminated a key target for data thieves.
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