Who Needs to Comply

PIN Security Requirements

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Who Must Comply with PCI PIN Standards?

Compliance isn’t optional—it’s mandatory for every entity that processes, routes, or validates PIN-based payment transactions globally.

Acquiring Financial Institutions

They authorize merchant transactions and must safeguard PIN data from compromise.

Issuing Card Organizations

Responsible for securing cardholder credentials during authentication and authorization phases.

Payment Service Processors

They handle transaction data flow and must ensure encryption at every stage.

ATM/POS Network Operators

ATM/POS Network Operators

Must secure all PIN processing, from keypad entry to transaction authorization endpoints.

Handle PIN-based Transactions

Handle PIN-based Transactions

Must secure all PIN processing, from keypad entry to transaction authorization endpoints.

Operate Switching Infrastructure

Operate Switching Infrastructure

Required to ensure cryptographic protection across switch communication and PIN translation devices.

Critical Compliance Players

Safeguarding PIN lifecycle demands strict adherence from KIFs and encryption-handling entities under PCI PIN requirements.

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