PCI DSS 4.0.1 Overview
PCI DSS 4.0.1, released in 2024, is the current global standard for securing payment card data.
It expands upon earlier versions with flexible validation methods, continuous security expectations, and support for evolving technologies such as cloud and DevOps environments.
Purpose of PCI DSS 4.0.1
The updated standard introduces a customized approach that allows organizations to tailor security controls to their specific environments while maintaining the same security intent.
It emphasizes continuous risk management, proactive validation, and improved user authentication.
Scope and Applicability
PCI DSS 4.0.1 applies to any entity that stores, processes, or transmits cardholder data, as well as service providers that impact payment security. All system components connected to the Cardholder Data Environment (CDE) are in scope.
What the Standard Covers
PCI DSS 4.0.1 retains the 12 core requirements but includes major enhancements:
Strengthened multi-factor authentication across access points.
Targeted risk analyses to justify control frequency and testing.
Improved cryptographic standards and key management.
Expanded requirements for continuous monitoring and logging.
Clarified penetration testing and scoping guidance.
Introduced a Customized Approach documentation path for innovative environments.
Certification and Assessment
Compliance is verified through SAQs, ROCs, or Attestations of Compliance (AOCs).
Organizations may use the Customized Approach when equivalent security outcomes can be proven with supporting evidence.
Implementation and Continuous Compliance
PCI DSS 4.0.1 promotes an always-on security mindset. Organizations should maintain:
Ongoing monitoring and vulnerability scanning.
Annual scope reviews and testing cycles.
Continuous staff training and awareness.
Documentation of customized control effectiveness.
PCI DSS 4.0.1 in DSALTA
DSALTA supports PCI DSS 4.0.1 by:
Mapping the 12 requirements to organizational controls and tests.
Tracking evidence validity, penetration testing, and encryption status.
Managing customized-approach justifications and renewals.
Generating audit-ready compliance reports for QSAs.