PCI DSS
Global standard securing payment cardholder data
HITRUST CSF
Certifiable framework harmonizing 60+ security standards
Quick Verdict
PCI DSS mandates cardholder data protection via 12 requirements for payment entities, enforced contractually. HITRUST CSF harmonizes 60+ frameworks for certifiable assurance, especially healthcare. Companies adopt PCI for payment compliance, HITRUST for multi-standard validation and market trust.
PCI DSS
Payment Card Industry Data Security Standard
Key Features
- 300+ granular controls across 12 requirements
- Contractual enforcement for payment card handlers
- Mandatory quarterly ASV vulnerability scans
- Network segmentation for scope reduction
- Customized approaches in v4.0 for flexibility
HITRUST CSF
HITRUST Common Security Framework
Key Features
- Harmonizes 60+ security and privacy standards
- Risk-based tailoring with maturity scoring
- Tiered certifications (e1, i1, r2)
- Centralized QA and validated assurance
- MyCSF platform for scoping and evidence
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 an industry-mandated framework for organizations handling credit card data. Its primary purpose is protecting cardholder data (CHD) and sensitive authentication data (SAD) through technical and operational controls. It uses a control-based approach with contractual enforcement.
Key Components
- 12 core requirements grouped into 6 control objectives (e.g., secure networks, vulnerability management, access controls).
- Over 300 sub-requirements and testing procedures.
- Built on Assess-Repair-Report cycle; v4.0 adds customized approaches.
- Compliance via SAQ for smaller entities or QSA-led ROC.
Why Organizations Use It
- Contractual obligation to avoid fines, bans, breach costs ($37/record avg.).
- Reduces fraud, builds customer trust.
- Enhances risk management, aligns with GDPR.
- Competitive edge for payment processors.
Implementation Overview
- Scope CDE, gap analysis, remediate controls, validate.
- Applies to all merchants/service providers globally.
- Costs $5K-$200K+; 3-12 months typical.
- Ongoing: quarterly scans, annual pentests.
HITRUST CSF Details
What It Is
HITRUST Common Security Framework (CSF) is a certifiable, threat-adaptive control framework consolidating requirements from 60+ standards like HIPAA, NIST 800-53, ISO 27001, PCI DSS, and GDPR. It provides risk-tailored security and privacy assurance, originally for healthcare but now industry-agnostic.
Key Components
- 19 assessment domains (e.g., Access Control, Risk Management, Incident Management).
- Hierarchical: 14 categories, ~49 objectives, ~156 specifications.
- **Maturity model5 levels (Policy, Procedure, Implemented, Measured, Managed).
- Tiered assurance: e1 (44 controls), i1 (182), r2 (tailored) via MyCSF platform.
Why Organizations Use It
- "Assess once, report many" for multi-compliance.
- Builds trust with certified reports for regulators/customers.
- Reduces TPRM costs, audit fatigue; 99.4% breach-free rate claimed.
- Market differentiation, insurance benefits in regulated sectors.
Implementation Overview
- Phased: scoping, readiness/gaps, remediation, validated assessment.
- Involves policies, evidence, training; MyCSF essential.
- For mid-large orgs in healthcare/finance; 12-18 months typical.
Key Differences
| Aspect | PCI DSS | HITRUST CSF |
|---|---|---|
| Scope | Payment card data protection (CHD/SAD) | Harmonized controls across 60+ frameworks |
| Industry | Payment processing, merchants, service providers | Healthcare primary, all regulated industries |
| Nature | Contractual standard, voluntary but enforced | Certifiable framework, voluntary certification |
| Testing | Quarterly ASV scans, annual ROC/SAQ | Maturity-scored validated assessments |
| Penalties | Fines, loss of card processing privileges | No legal penalties, loss of certification |
Scope
Industry
Nature
Testing
Penalties
Frequently Asked Questions
Common questions about PCI DSS and HITRUST CSF
PCI DSS FAQ
HITRUST CSF FAQ
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