Meeting PCI Requirements for Encryption
Blog post from Basis Theory
PCI DSS requires businesses that accept major payment cards to protect cardholder data through encryption and related controls across its lifecycle. Requirement 3 focuses on stored data, directing organizations to minimize retained account information, prohibit post-authorization storage of sensitive authentication data, restrict PAN access, secure cryptographic keys, and maintain documented key-management procedures. Requirement 4 governs data in transit, requiring documented processes and strong cryptography whenever cardholder data or PANs move across open public networks. Compliance also depends on using accepted encryption standards such as AES or TDES, protecting backups, separating encryption keys from encrypted data, enforcing access controls, and regularly patching and testing systems for vulnerabilities. The passage presents dedicated cardholder data environments as a way to centralize protection, while promoting Basis Theory’s PCI Level 1-compliant platform as an outsourced solution intended to reduce the infrastructure, cost, and compliance scope faced by businesses handling payment data.
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