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PCI DSS, or the Payment Card Industry Data Security Standard, was created to promote and improve cardholder data security globally. It applies to all merchants and service providers that handle card payments, requiring compliance to avoid financial penalties or losing the ability to accept card payments. The standard was established in 2004 through collaboration between major credit card brands like American Express, Discover, JCB, MasterCard, and Visa. All organizations that accept or process cardholder data must adhere to PCI DSS, with compliance requirements varying based on factors such as organization size and transaction volume.
