PCI DSS
Global standard protecting payment cardholder data security
BREEAM
Global sustainability certification framework for built environment.
Quick Verdict
PCI DSS secures payment card data for merchants worldwide via audits and scans, preventing breaches and fines. BREEAM certifies sustainable buildings through credit-based assessments, boosting asset value and efficiency. Companies adopt PCI DSS for compliance survival; BREEAM for ESG leadership.
PCI DSS
Payment Card Industry Data Security Standard
Key Features
- 12 requirements organized into 6 control objectives
- 300+ granular sub-requirements and testing procedures
- Contractual enforcement with fines and processing bans
- Network segmentation reduces Cardholder Data Environment scope
- Quarterly ASV scans and annual penetration testing required
BREEAM
Building Research Establishment Environmental Assessment Method
Key Features
- Credit-based scoring with weighted categories
- Third-party BRE certification and audits
- Lifecycle coverage from design to in-use
- Health, wellbeing, and resilience focus
- Continuous KBCN updates and guidance
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 merchants and service providers handling payment cards. Structured around 12 requirements in 6 control objectives, it uses a control-based approach with over 300 sub-requirements and testing procedures.
Key Components
- Core pillars: Secure networks, data protection, vulnerability management, access controls, monitoring/testing, policies.
- 300+ controls with defined/customized implementation paths in v4.0.
- Compliance via SAQ (self-assessment) or ROC (QSA audit), plus ASV scans.
Why Organizations Use It
- Mandatory for card processors to avoid fines, bans, breach costs ($37/record avg.).
- Reduces fraud, builds trust, enables market access.
- Enhances risk management, aligns with GDPR.
Implementation Overview
- Scoping CDE, gap analysis, remediation, validation.
- Applies globally to all sizes handling CHD.
- v4.0 (mandatory 2024) emphasizes MFA, segmentation, third-party oversight. (178 words)
BREEAM Details
What It Is
BREEAM (Building Research Establishment Environmental Assessment Method) is a science-led sustainability certification framework for the built environment. It assesses environmental, social, and resilience performance across buildings, infrastructure, and communities throughout their lifecycle. The credit-based methodology organizes requirements into categories, weighted by impact, converting compliance into ratings from Pass to Outstanding.
Key Components
- Core categories: Management, Health & Wellbeing, Energy, Transport, Water, Materials, Waste, Land Use & Ecology, Pollution, Innovation (10 main domains).
- Hundreds of credits with prerequisites, evidence requirements, and KBCNs for clarifications.
- Built on third-party assurance via licensed assessors and BRE Global audits.
- Certification model includes design-stage and post-construction verification.
Why Organizations Use It
- Drives operational savings (e.g., 22-33% energy reduction), asset value uplift (up to 30%), and ESG alignment.
- Supports regulatory incentives, investor demands, and tenant preferences.
- Mitigates risks in carbon, resilience, and compliance.
- Enhances reputation through globally recognized ratings.
Implementation Overview
- Phased approach: pre-assessment, design integration, construction verification, certification.
- Requires early BREEAM Assessor appointment, evidence management, training.
- Applicable to all sizes, industries, geographies; voluntary but strategic for real estate and infrastructure.
Key Differences
| Aspect | PCI DSS | BREEAM |
|---|---|---|
| Scope | Payment card data security (CHD/SAD protection) | Building sustainability (energy, health, ecology) |
| Industry | Payment processing, merchants, service providers globally | Construction, real estate, infrastructure worldwide |
| Nature | Contractual security standard, voluntary certification | Voluntary sustainability assessment, third-party certified |
| Testing | Quarterly ASV scans, annual pentests by QSAs | Assessor-led audits, BRE quality assurance, evidence review |
| Penalties | Fines, card processing bans, breach costs | No penalties, loss of certification/rating |
Scope
Industry
Nature
Testing
Penalties
Frequently Asked Questions
Common questions about PCI DSS and BREEAM
PCI DSS FAQ
BREEAM FAQ
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