PCI DSS — What Developers Need to Know

The moment your application accepts credit card payments, you enter the world of PCI DSS. The Payment Card Industry Data Security Standard is a set of security requirements created by the PCI Security Standards Council, founded by Visa, Mastercard, American Express, Discover, and JCB that applies to every organization that stores, processes, or transmits cardholder data. Every. Single. One.

If you're accepting payments through Stripe, Square, or Braintree, you might think PCI doesn't apply to you. You'd be wrong. It still applies — but these providers dramatically reduce your burden. Understanding exactly what your responsibilities are (and aren't) is the difference between a simple annual questionnaire and a six-figure audit engagement.

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