More than twenty years after its creation, the Payment Card Industry Data Security Standard (PCI DSS) remains essential for safeguarding cardholder information. Developed in 2001 by major payment brands including Visa, MasterCard, Discover, American Express, and JCB, PCI DSS established a unified security framework for organizations handling credit, debit, prepaid, ATM, and POS card data. Designed to ensure consistent protection of sensitive payment information, the standard has evolved to address emerging threats and provide comprehensive guidelines for securing systems, reducing fraud, and maintaining trust in global payment transactions.

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