PCI DSS Requirement 3: Protect Stored Account Data
Blog post from Basis Theory
PCI DSS Requirement 3 focuses on protecting stored account data to reduce the harm caused by accidental or malicious exposure, emphasizing that organizations should collect and retain only the data necessary for legal or business purposes. Its seven sections require documented policies and assigned responsibilities, minimized retention and secure deletion practices, prohibition of sensitive authentication data storage after authorization, restricted display and copying of primary account numbers, and techniques such as masking, truncation, tokenization, hashing, and strong cryptography to make stored PAN unreadable. The requirement also mandates strict protection of cryptographic keys, including limited access, secure storage, minimal locations, and lifecycle procedures for generating, distributing, rotating, retiring, replacing, and destroying keys. The text notes that Basis Theory, a PCI Level 1 compliant provider, offers a managed cardholder-data environment and tokenization tools intended to help companies secure payment data while reducing the scope, cost, and operational burden of PCI DSS compliance.
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