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  • Writer's pictureBruno Paz

PCI DSS 4.0 vs. PCI DSS 3.0: What Has Changed in Payment Data Protection?

The constant evolution of technology and growing cyber threats have driven the need to keep security standards constantly updated. The Payment Card Industry Data Security Standard (PCI DSS) is a clear example of this, undergoing significant changes from version 3.0 to version 4.0. Let's compare these two versions and understand the main differences.

PCI DSS 4.0 vs. PCI DSS 3.0:

Focus on Continuous Approach:

PCI DSS 3.0: PCI DSS Version 3.0 already emphasized the importance of continuous compliance, but the approach was more focused for carrying out periodic evaluations.

PCI DSS 4.0: The new version takes this one step further by promoting an ongoing security mindset. This means that organizations not only conduct regular assessments, but also constantly monitor their infrastructures to detect and respond to threats in real time.

Flexibility and Customization:

PCI DSS 3.0: The previous version had more prescriptive requirements, with less room to adapt to individual organizations' needs.< /p>

PCI DSS 4.0: Version 4.0 offers more flexibility, allowing companies to implement security measures according to their own circumstances, without compromising data protection.

Multi-Factor Authentication:

PCI DSS 3.0: While multi-factor authentication was highly recommended, it was not a mandatory requirement in version 3.0.

PCI DSS 4.0: Multi-factor authentication is now a requirement in certain high-risk scenarios, providing an extra layer of protection for customer transactions and information.

Top Management Involvement:

PCI DSS 3.0: The previous version mentioned the importance of top management commitment, but without much detail.

PCI DSS 4.0: The new version emphasizes clearly the role of leadership in promoting a safety culture, highlighting the importance of top management support for the successful implementation of safety measures.


PCI DSS 4.0 represents a natural evolution of the standard, taking into account emerging threats and the changing needs of organizations. While both versions share the fundamental goal of protecting payment data, 4.0 offers greater flexibility, stronger authentication and a stronger commitment to ongoing security. For businesses and consumers alike, the move to version 4.0 means a more adaptable and robust approach to protecting financial information. Finally you know the differences between PCI DSS 4.0 vs. PCI DSS 3.0.

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