PCI DSS 4.0 strengthens security for payment card data, requiring full protection of the Cardholder Data Environment. Effective April 2024, with some extensions to 2025, it introduces updates across 12 requirements, emphasizing continuous compliance, strong encryption, and proactive threat management. Experts highlight key areas such as network visibility, secure configurations, data protection, access control, and physical security. Organizations are urged to go beyond minimum standards, adopt automation, maintain documentation, and treat compliance as an evolving program to ensure resilience and regulatory alignment.

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