The Payment Card Industry Data Security Standard (PCI-DSS) is a set of technical and operational requirements used to secure payment card data in business environments. It is an information security standard for organizations that store, process, or transmit cardholder data provided by payment providers such as Visa, MasterCard, American Express, Discover, and JCB. PCI-DSS is designed to help businesses protect customer credit card data from unauthorized access and reduce fraud. As part of their compliance obligations, organizations must adopt and maintain the necessary controls to ensure that payment card data is safeguarded at all times.