PCI DSS
Global standard for securing payment cardholder data
AEO
International standard for supply chain security and trade facilitation
Quick Verdict
PCI DSS mandates payment card security for merchants worldwide, enforced contractually to prevent breaches. AEO certifies low-risk trade operators for customs facilitation. Companies adopt PCI DSS to avoid fines; AEO for faster clearances and priority processing.
PCI DSS
Payment Card Industry Data Security Standard v4.0
Key Features
- 12 requirements across 6 control objectives for CHD protection
- 300+ granular sub-requirements with quarterly ASV scans
- Contractual mandate for merchants and service providers
- Network segmentation reduces compliance scope effectively
- v4.0 emphasizes MFA, cryptography, and third-party oversight
AEO
Authorized Economic Operator (AEO)
Key Features
- Risk-based supply chain security controls (criteria G-L)
- Mutual Recognition Arrangements for cross-border benefits
- SAQ self-assessment across 13 criteria groups A-M
- Continuous internal audits and monitoring (criterion M)
- Trading partner security and due diligence requirements
Detailed Analysis
A comprehensive look at the specific requirements, scope, and impact of each standard.
PCI DSS Details
What It Is
PCI DSS (Payment Card Industry Data Security Standard) is a contractual security framework managed by the PCI Security Standards Council. It mandates protection of cardholder data (CHD) and sensitive authentication data (SAD) for organizations storing, processing, or transmitting payment card information. Its control-based approach organizes requirements into 6 objectives with a focus on network security, data protection, and monitoring.
Key Components
- 12 core requirements with 300+ sub-requirements in v4.0
- Pillars: secure networks, vulnerability management, access controls, monitoring, policies
- Compliance via SAQ for smaller entities or ROC by QSAs; quarterly ASV scans, annual pentests
Why Organizations Use It
- Contractual obligation from card brands; non-compliance risks fines, processing bans
- Reduces breach costs ($37/record avg.), builds customer trust
- Enhances risk management, supports GDPR alignment
Implementation Overview
- Scoping CDE, gap analysis, remediation, validation
- Applies to all merchants/service providers globally; 3-12 months typical
- Ongoing: segmentation, MFA, third-party oversight (180 words)
AEO Details
What It Is
Authorized Economic Operator (AEO) is a voluntary certification program under the WCO SAFE Framework, recognizing low-risk businesses in international trade. It fosters Customs-to-Business partnerships, providing trade facilitation for compliant operators with robust supply chain security. The approach is risk-based, emphasizing validation via Self-Assessment Questionnaire (SAQ) criteria A-M.
Key Components
- Four pillars: customs compliance, record management/internal controls, financial solvency, supply chain security.
- 13 SAQ criteria groups covering compliance, training, security domains, crisis management, continuous improvement.
- Built on WCO SAFE standards; EU UCC Article 39 mirrors these (AEOC, AEOS types).
- Certification via application, validation (on-site/virtual), ongoing monitoring/re-validation.
Why Organizations Use It
- Reduces inspections, clearance times, costs (e.g., $500-1000/container avoided).
- Enables Mutual Recognition Arrangements (MRAs) for global benefits.
- Enhances reputation, tender qualification, supply chain resilience.
- Manages risks of suspension/revocation; builds stakeholder trust.
Implementation Overview
- Gap analysis, SAQ completion, process design, training, mock audits.
- Cross-functional transformation; 6-12 months typical.
- Applies to supply chain actors globally; rigorous audits required.
Key Differences
| Aspect | PCI DSS | AEO |
|---|---|---|
| Scope | Payment card data security controls | Supply chain security and customs compliance |
| Industry | Payment processing, merchants globally | International trade, logistics operators |
| Nature | Contractual standard, voluntary certification | Voluntary customs partnership program |
| Testing | Quarterly scans, annual QSA audits | Risk-based site validation, re-assessments |
| Penalties | Fines, processing privilege loss | Status suspension or revocation |
Scope
Industry
Nature
Testing
Penalties
Frequently Asked Questions
Common questions about PCI DSS and AEO
PCI DSS FAQ
AEO FAQ
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