PCI DSS Requirement 4: Protect Cardholder Data Over Public Networks
Blog post from Basis Theory
PCI DSS Requirement 4 addresses the protection of cardholder data, especially primary account numbers (PAN), while transmitted across open or public networks, where outdated wireless encryption and authentication protocols may expose data to interception. It requires organizations to document, maintain, communicate, and assign responsibility for policies and procedures governing transmission security, while ensuring PAN is protected through strong cryptography. Key controls include using trusted and valid certificates and keys, avoiding insecure protocol versions and configurations, maintaining an inventory of trusted cryptographic assets, applying industry-standard wireless encryption where networks transmit PAN or connect to the cardholder data environment, and encrypting PAN sent through end-user messaging technologies. The text also presents Basis Theory as a PCI Level 1 compliant provider that offers an externally assessed cardholder data environment and tokenization tools intended to help businesses secure payment data while reducing the systems and PCI DSS obligations that fall within their direct scope.
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