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Coverage focus: Security · Banking, Retail · Regulatory / Compliance.
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Cyber Security•6 min•Trufe Insights•Mar 5, 2026
PCI DSS 4.0 — The 12 Changes Indian Banks Need to Act on Now
Regulatory / Compliance perspective for Banking, Retail with implementation guidance and internal references.
What Changed in PCI DSS 4.0 (The 12 Key Updates)
- Customized approach vs. defined approach (flexibility with proof)
- Multi-factor authentication expanded to ALL access to cardholder data
- Targeted risk analysis for each requirement
- Enhanced logging and monitoring requirements
- Client-side script security (new requirement 6.4.3)
- Automated technical detection of unauthorized payment pages
- Strengthened encryption requirements
- Anti-phishing mechanisms mandatory
- Password length increased to 12 characters minimum
- Broader scope for vulnerability scans
- Incident response plan updates required
- Roles and responsibilities documentation per requirement
Impact on Indian Banks and Payment Processors
- RBI's alignment with PCI DSS expectations
- UPI and payment gateway implications
- Third-party processor cascading requirements
A Practical Implementation Timeline
- Immediate actions (0–30 days)
- Short-term controls (30–90 days)
- Full compliance roadmap (90–180 days)
How Trufe Approaches PCI DSS
Closing CTA:
→ Link to: /solutions/cyber-security/privacy-data-protection/pci-dss-compliance/
- Gap assessment methodology
- Control implementation with security engineering
- QSA coordination and audit preparation
Internal References
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