PCI DSS
Global standard for protecting payment cardholder data
ISO 26000
International guidance standard for social responsibility.
Quick Verdict
PCI DSS mandates technical controls for payment data security via audits and scans, enforced contractually for card handlers. ISO 26000 offers voluntary guidance on broad social responsibility principles for all organizations, adopted for ethical governance and stakeholder trust.
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 by card brands and banks
- Merchant/service provider levels with SAQ/ROC validation
- CDE scoping and network segmentation for scope reduction
ISO 26000
ISO 26000:2010 Guidance on social responsibility
Key Features
- Seven principles underpinning all SR activities
- Seven core subjects for holistic SR coverage
- Non-certifiable guidance applicable to all organizations
- Stakeholder engagement for issue prioritization
- Integration with existing management systems
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 for protecting cardholder data (CHD) and sensitive authentication data (SAD). Managed by the PCI Security Standards Council (PCI SSC) since 2006, it mandates 12 requirements under 6 control objectives for entities storing, processing, or transmitting payment card data. It uses a control-based approach with scoping via the Cardholder Data Environment (CDE).
Key Components
- 12 core requirements covering network security, data protection, vulnerability management, access controls, monitoring, and policies.
- Over 300 sub-requirements with testing procedures.
- Merchant levels (1-4) and service provider levels dictate validation via SAQ or ROC by QSAs/ASVs.
- v4.0 emphasizes customized approaches and continuous compliance.
Why Organizations Use It
- Contractual obligation from card brands/acquirers to avoid fines, processing bans, breach costs ($37/record avg.).
- Reduces fraud, builds customer trust, enables market access.
- Enhances risk management via segmentation, MFA, encryption.
Implementation Overview
- Phased: scope CDE, gap analysis, remediate, validate (ASV scans, pentests).
- Applies to all card-handling entities globally; costs $5K-$200K+.
- Ongoing: quarterly scans, annual audits for sustained compliance.
ISO 26000 Details
What It Is
ISO 26000:2010 is the international guidance standard on social responsibility (SR), providing a voluntary framework rather than certifiable requirements. Its primary purpose is to help organizations of all sizes, types, and locations integrate SR into governance, strategy, and operations through a holistic, stakeholder-driven approach.
Key Components
- **Seven principlesAccountability, transparency, ethical behavior, respect for stakeholder interests, rule of law, international norms, and human rights.
- **Seven core subjectsOrganizational governance, human rights, labor practices, environment, fair operating practices, consumer issues, community involvement.
- Built on multi-stakeholder consensus; no fixed controls, emphasizes contextual prioritization; non-certifiable model.
Why Organizations Use It
- Enhances sustainability commitment, risk management, and stakeholder trust.
- Aligns with SDGs, OECD, GRI; supports ESG reporting and due diligence.
- Drives resilience, reputation, and competitive edge without certification burdens.
Implementation Overview
- Phased: materiality assessment, stakeholder engagement, policy integration, training, reporting.
- Applies universally; integrates with ISO 14001/45001; self-assessed via transparent communication.
Key Differences
| Aspect | PCI DSS | ISO 26000 |
|---|---|---|
| Scope | Payment card data security (CHD/SAD protection) | Social responsibility (7 core subjects: governance, human rights, environment) |
| Industry | Payment processing, merchants, service providers globally | All organizations/sectors worldwide, any size |
| Nature | Contractual standard with audits (ROC/SAQ), not law | Voluntary non-certifiable guidance, no enforcement |
| Testing | Quarterly ASV scans, annual pen tests, QSA audits | Self-assessment, stakeholder engagement, no formal audits |
| Penalties | Fines, card processing bans, breach costs | No penalties (reputational risks only) |
Scope
Industry
Nature
Testing
Penalties
Frequently Asked Questions
Common questions about PCI DSS and ISO 26000
PCI DSS FAQ
ISO 26000 FAQ
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