This paper explains how retailers rely on APIs to support e-commerce, payment processing, and customer engagement, making API security critical to protecting customer data and ensuring safe transactions. It outlines a compliance landscape shaped by PCI DSS requirements for securing cardholder data, GDPR obligations for handling EU personal data, ISO/IEC 27001 and 27017 guidance for cloud data protection, and the MITRE ATT&CK framework for understanding API-focused attack techniques. Key security needs include secure payment processing, encryption, strong authentication and authorization, input validation, rate limiting, continuous monitoring, and regular vulnerability assessments. The paper emphasizes API posture governance as essential for maintaining visibility, enforcing controls, preve

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