The Payment Card Industry Data Security Standard (PCI DSS) It was originally developed as Visa’s Cardholder Information Security Program (CISP) in 2001 and was subsequently updated and adopted in 2006 by all of the major card brands as an international standard. The PCI DSS consists of 12 high-level requirements and more than 400 sub-requirements. All organizations that store, transmit, or process cardholder data must comply with the standard at all times. Cardholder data is defined by the card brands as consisting of the Primary Account Number (PAN) alone and other elements if they are stored with the PAN. Compliance with the PCI DSS can be complex and resource intensive. Many of our solutions are designed to reduce the effort required to achieve and maintain compliance with the PCI DSS. ProPay offers solutions such as ProtectPay® and the JAK™ card reader specifically to assist merchants in reducing the scope of their PCI DSS obligations.