PCI DSS 4.0 readiness

On March 31, 2025, 54 of the 64 new requirements become effective for assessments under the updated Payment Card Industry Data Security Standard (PCI DSS) 4.0. The standard formalizes governance standards for Requirements 2 through 11. To ensure compliance, covered entities need to document, assign, and manage roles and responsibilities for all activities.

Intending compliance performance to be more flexible, the Payment Card Industry Security Standards Council (PCI SSC) established Targeted Risk Analysis (TRA) requirements so organizations could document their reasoning for how often they would perform controls. The templates that PCI SSC provides require organizations to document various risk factors and justify the reasoning behind their control performance frequency determinations.

This PCI DSS 4.0 whitepaper details:

• Control performance frequency best practices and TRA requirements
• Challenges organizations face when using manual processes for these activities
• Ways continuous controls monitoring (CCM) automates processes so organizations can accelerate compliance readiness