This July 2023 white paper explains that PCI DSS is the global standard for protecting payment card data, enforced contractually by payment brands, and that non-compliance can lead to major fines, loss of card-processing privileges, and steep breach-related costs, with PCI DSS 4.0 representing the most significant update since 2004 and taking effect March 31, 2024. It outlines the 12 requirements across six goals (secure networks, protect data, vulnerability management, access control, monitoring/testing, and security policy), highlights new emphases such as MFA for all access to the card data environment, authenticated vulnerability scans, and more frequent scope validation, and argues that Bitdefender MDR supports compliance by providing 24x7 monitoring, threat hunting, incident reportin

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