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Glossary · Payments and fintech

PCI scope

Also called PCI DSS scope, scoping.

Definition

Every system, person and process that PCI DSS applies to, because it handles card data or can reach systems that do.

Last updated

What it is.

The PCI SSC glossary describes scoping as identifying all system components, people and processes to include in a PCI DSS assessment. At the centre is the cardholder data environment: systems that store, process or send card data, plus systems with unrestricted connectivity to them.

Scope is not fixed. Network segmentation, tokenization and handing card entry to a payment provider can all shrink it, which shrinks the number of requirements you must meet.

Why it matters

Every system in scope must meet PCI DSS controls and be assessed. A product that lets card numbers touch its own servers, logs or support tools pulls far more into scope than one that never sees them. Scope decides whether you fill in a short SAQ or face a much larger assessment.

In a product build

PCI scope is set by the payment design in a build: hosted fields or redirect versus own card form, what gets logged, and where tokens are stored. Deciding it early is far cheaper than shrinking scope later.

Watch out

Common mistakes.

  1. 01

    Logging full request bodies that contain card numbers.

  2. 02

    Forgetting support and call-centre tools where staff type card numbers.

  3. 03

    Assuming using a payment provider takes you out of scope entirely. Some requirements still apply.

Sources

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Primary sources this definition is based on.

Tools

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Related

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