PCI DSS
Industry standard securing payment cardholder data environments
REACH
EU regulation for chemical registration, evaluation, authorisation, restriction.
Quick Verdict
PCI DSS secures payment card data for global merchants via contractual controls, while REACH mandates chemical risk assessments for EU manufacturers. Companies adopt PCI DSS to process cards compliantly; REACH ensures legal market access and substance safety.
PCI DSS
Payment Card Industry Data Security Standard
Key Features
- 12 requirements under 6 objectives protect cardholder data
- Contractual enforcement with fines and processing bans
- 300+ granular sub-requirements for technical security
- Tiered levels dictate SAQ or QSA-led ROC validation
- Mandates CDE scoping and network segmentation
REACH
Regulation (EC) No 1907/2006 (REACH)
Key Features
- Industry responsibility shift for chemical data generation
- Registration required above 1 tonne/year per entity
- SVHC Candidate List triggers communication obligations
- Authorisation with sunset dates for high-concern substances
- Annex XVII EU-wide restrictions on unacceptable risks
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. Organized into 12 requirements under 6 control objectives, it uses a control-based approach with scoping via Cardholder Data Environment (CDE).
Key Components
- Core pillars: Secure networks, data protection, vulnerability management, access controls, monitoring, policies.
- Over 300 sub-requirements and testing procedures.
- Tiered compliance: Levels 1-4 for merchants/providers.
- Validation via SAQ, ROC, QSA audits, ASV scans.
Why Organizations Use It
- Contractual obligation from payment brands; non-compliance risks fines, bans.
- Reduces breach costs ($37/record avg.), builds trust.
- Enhances risk management, fraud prevention.
- Competitive edge in payments industry.
Implementation Overview
- Phased: Scope CDE, gap analysis, remediate, validate.
- Applies globally to card-handling entities.
- Annual/quarterly audits; v4.0 emphasizes MFA, segmentation.
REACH Details
What It Is
REACH (Regulation (EC) No 1907/2006) is the EU's core chemicals regulation for Registration, Evaluation, Authorisation and Restriction of Chemicals. Directly applicable across EU/EEA, it shifts responsibility to industry to identify hazards, generate data, and manage risks for substances, mixtures, and articles, protecting health and environment via a risk-based lifecycle approach.
Key Components
- Four pillars: Registration (>1 tpa dossiers), Evaluation (compliance/substance checks), Authorisation (SVHC permissions), Restriction (Annex XVII bans/limits).
- 17 Annexes (e.g., data requirements, Candidate List, SDS rules).
- Continuous compliance; ECHA coordinates, no formal certification.
Why Organizations Use It
- Mandatory for EU market access; avoids fines, seizures, recalls.
- Drives supply-chain transparency, substitution innovation, ESG alignment.
- Mitigates risks, enhances reputation, competitive differentiation.
Implementation Overview
- Phased: governance, substance inventory, dossiers/CSRs, monitoring.
- All sizes/industries handling chemicals; EU/EEA focus.
- National enforcement; self-audits, no certification.
Key Differences
| Aspect | PCI DSS | REACH |
|---|---|---|
| Scope | Payment card data security controls | Chemical substance registration and risk management |
| Industry | Payment processing, merchants globally | Chemicals, manufacturing sectors in EU/EEA |
| Nature | Contractual industry standard, voluntary | Mandatory EU regulation with enforcement |
| Testing | Quarterly scans, annual pentests by QSAs | Dossier evaluations, substance compliance checks |
| Penalties | Fines, loss of card processing privileges | National fines, market bans, product seizures |
Scope
Industry
Nature
Testing
Penalties
Frequently Asked Questions
Common questions about PCI DSS and REACH
PCI DSS FAQ
REACH FAQ
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