PCI DSS
Global standard for protecting payment card data
WELL
Building certification for occupant health and well-being
Quick Verdict
PCI DSS secures payment card data via strict controls and audits for merchants, preventing breaches and fines. WELL certifies buildings for occupant health through performance testing. Companies adopt PCI DSS for compliance survival, WELL for wellness differentiation and productivity.
PCI DSS
Payment Card Industry Data Security Standard
Key Features
- 12 requirements organized into 6 control objectives
- 300+ granular controls for cardholder data protection
- Quarterly ASV scans and annual penetration testing
- Contractual enforcement with fines and processing bans
- Scope reduction via segmentation and tokenization
WELL
WELL Building Standard v2
Key Features
- Mandatory preconditions and optional optimizations
- On-site performance verification testing
- 10 concepts covering air, water, light, sound
- Certification tiers with point thresholds
- Continuous monitoring compliance pathways
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 technical and operational controls to protect cardholder data (CHD) and sensitive authentication data (SAD) for merchants and service providers handling payment cards. Organized into 12 requirements under 6 control objectives, it uses a control-based approach with v4.0 emphasizing customized implementations.
Key Components
- 12 requirements spanning network security, data protection, vulnerability management, access controls, monitoring, and policies.
- Over 300 sub-requirements with testing procedures.
- Compliance via SAQs for smaller entities or ROCs by QSAs, plus quarterly ASV scans.
Why Organizations Use It
- Contractual obligation from card brands to avoid fines, bans.
- Reduces breach risks and costs ($37/record average).
- Builds customer trust, enables market access.
- Enhances overall cybersecurity maturity.
Implementation Overview
- Assess-Repair-Report cycle: scope CDE, gap analysis, remediate, validate.
- Applies to all card-handling entities globally.
- Costs $5K-$200K+; 3-12 months typical, with ongoing maintenance.
WELL Details
What It Is
The WELL Building Standard (WELL v2) is a performance-based certification framework administered by the International WELL Building Institute (IWBI). It focuses on designing, operating, and verifying buildings to advance human health and well-being through evidence-based strategies. Its people-first approach emphasizes measurable indoor environmental quality and occupant outcomes via preconditions (mandatory) and optimizations (points-based).
Key Components
- **10 core conceptsAir, Water, Nourishment, Light, Movement, Thermal Comfort, Sound, Materials, Mind, Community (plus Innovation).
- 24 Preconditions and 102 Optimizations totaling ~110 points.
- Built on public health research; certification tiers: Bronze (40 pts), Silver (50), Gold (60), Platinum (80) with concept minimums.
- Requires on-site performance verification and documentation review.
Why Organizations Use It
- Enhances productivity, retention, ESG reporting, and rent premiums.
- Mitigates health risks; complements LEED for holistic sustainability.
- Builds stakeholder trust via verified outcomes.
Implementation Overview
- Phased: gap analysis, scorecard, documentation, testing, recertification (3 years).
- Applies to new/existing buildings, all sizes/industries globally.
- Cross-functional teams; continuous monitoring pathways.
Key Differences
| Aspect | PCI DSS | WELL |
|---|---|---|
| Scope | Payment card data security (CHD/SAD) | Building occupant health/well-being |
| Industry | Payment processing/merchants globally | Real estate/buildings globally |
| Nature | Contractual certification standard | Voluntary health certification |
| Testing | Quarterly ASV scans, annual ROC/SAQ | On-site performance verification |
| Penalties | Fines, card processing bans | Certification denial/revocation |
Scope
Industry
Nature
Testing
Penalties
Frequently Asked Questions
Common questions about PCI DSS and WELL
PCI DSS FAQ
WELL FAQ
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