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PCI DSS is not a law, but it is a contractual requirement between acquiring banks and payment card companies. Banks are responsible for ensuring compliance and may pass on fines to merchants who fail to meet the standards. In some states, like Nevada, Minnesota, and Washington, parts of PCI DSS have been incorporated into state law.

PCI DSS compliance involves working with your customers or acquiring banks to evaluate how your services affect cardholder data, identifying which requirements apply to your business, and implementing the necessary security measures.

The requirements cover both operational and technical safeguards, ensuring the secure storage, processing, and transmission of cardholder data, and protecting the networks and systems involved in these processes.