What’s in PCI Scope vs. Out of Scope: PCI Scope Reduction
Blog post from Basis Theory
PCI-DSS is a payment-card security standard administered by the PCI Security Standards Council that requires organizations handling major credit card transactions to protect consumer cardholder and personally identifiable information. Compliance scope includes systems that directly collect, store, or transmit cardholder data within the Cardholder Data Environment, as well as systems connected to that environment, while systems with no access to it may remain out of scope; organizations must also account for compliant cloud providers and other partners. Reducing the number of in-scope systems can lower compliance costs, but shared infrastructure and direct connections to cardholder-data systems can expand scope because they may create access paths to sensitive data. Merchants can limit exposure by eliminating direct access to card information, often through payment service providers that collect data and return tokens, though relying on one provider can create dependency and reduce control. Third-party tokenization services offer a more flexible alternative by securely collecting card details and providing tokens while allowing merchants to route transactions through different payment processors, potentially supporting operational flexibility, cost optimization, and reduced PCI-DSS scope.
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