PCI DSS 4.0
PCI DSS 4.0 — Payment Card Compliance Automated
PCI DSS 4.0 introduces significant new requirements for payment security. Our platform maps all 12 requirements with automated evidence collection and continuous monitoring.
Who needs it: Any organization that stores, processes, or transmits cardholder data.
What is PCI DSS 4.0?
PCI DSS (Payment Card Industry Data Security Standard) version 4.0 is the latest major update to the global standard for protecting payment card data. Published by the PCI Security Standards Council, it applies to every organization that stores, processes, or transmits cardholder data — from e-commerce startups to global retailers and payment processors.
Version 4.0 introduces a customized approach alongside the traditional defined approach, allowing organizations to meet security objectives with innovative controls. Key changes include mandatory multi-factor authentication for all access to cardholder data environments, enhanced encryption requirements, and a new focus on targeted risk analysis. Organizations had until March 31, 2025 to transition from v3.2.1.
PCI DSS 4.0 Requirements
Build and Maintain a Secure Network
- Install and maintain network security controls
- Apply secure configurations to all system components
- Protect stored account data
- Protect cardholder data with strong cryptography during transmission
Maintain a Vulnerability Management Program
- Protect all systems against malware
- Develop and maintain secure systems and software
- Targeted risk analysis for customized approach
Implement Strong Access Control Measures
- Restrict access to cardholder data by business need to know
- Identify users and authenticate access to system components (MFA required)
- Restrict physical access to cardholder data
Monitor and Test Networks
- Log and monitor all access to network resources and cardholder data
- Test security of systems and networks regularly
- Quarterly internal and external vulnerability scans
The Problem We Solve
See why organizations choose Compliance Enablers for PCI DSS 4.0 compliance.
Common Challenges
- PCI DSS 4.0 transition deadline creates urgency
- Multiple payment channels mean scattered compliance evidence
- Quarterly scans and annual assessments drain resources
What We Provide
- All 12 requirements mapped with evidence automation
- Continuous control monitoring replacing quarterly point-in-time assessments
- SAQ preparation with vendor compliance monitoring
- Cross-mapping to SOC 2 and ISO 27001 for multi-framework efficiency
- Incident response procedures specific to payment card breaches
Your PCI DSS 4.0 Journey With Us
Scoping
Define your Cardholder Data Environment (CDE) with our scoping wizard. Identify all systems that store, process, or transmit cardholder data and connected systems.
Gap Assessment
AI-powered assessment against all 12 PCI DSS 4.0 requirements. Identify gaps with clear remediation priorities and effort estimates.
SAQ Determination
Determine the correct Self-Assessment Questionnaire type based on your payment channels. Pre-populated templates reduce assessment effort by 70%.
Control Implementation
Implement required controls using our template library. Automated evidence collection from payment processors, cloud providers, and security tools.
Continuous Compliance
Replace quarterly point-in-time assessments with continuous monitoring. Automated scan scheduling, vulnerability tracking, and real-time compliance scoring.
How We Compare
PCI DSS compliance requires deep integration with payment infrastructure. While general GRC platforms offer basic control mapping, Compliance Enablers provides SAQ determination, CDE scoping, scan management, and continuous monitoring — plus cross-framework mapping so your PCI controls also satisfy SOC 2 and ISO 27001 requirements.
Key Modules for PCI DSS 4.0
PCI DSS 4.0 FAQ
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