Since Visa mandated the Cardholder Information Security Program (CISP) in June 2001 and MasterCard International introduced its Site Data Protection (SDP) program in June 2004, many merchants, processors, and acquiring banks have been working diligently to meet their specific requirements. Today's Payment Card Industry Data Security Standard (PCI DSS), which combines requirements of the Visa and MasterCard programs, remains as one of the preeminent achievements in the information security industry. However, many merchants and service providers are struggling with the increased complexity associated with the PCI Data Security Standard. Although the drive to protect credit card data is vital, many companies have yet to implement the technologies and processes needed to address the standard's specific requirements.
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