This paper explains how PCI DSS v4.0 establishes mandatory security requirements for organizations handling cardholder data, with a strong focus on securing APIs used in payment processing. It emphasizes integrating security throughout the API lifecycle, from design and development to deployment and ongoing maintenance. A key evolution in v4.0 is its focus on protecting application and API business logic, recognizing that attackers increasingly abuse legitimate API functions to bypass controls. The standard requires secure coding practices, strong authentication and role-based access, regular vulnerability testing, and continuous monitoring to detect abuse. By explicitly addressing API manipulation and business logic attacks, PCI DSS v4.0 positions robust API security as essential to preve

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