Frequently Asked Question
Do PANs need to be masked on cardholder statements sent by issuers to customers?
PCI DSS Requirement 3 is not intended to apply to individual account statements sent by issuing banks to cardholders. Full PAN displays in individual account statements are not required to be masked or rendered unreadable. The reference to "paper reports" in Requirement 3 is intended to apply to back-office reports and other internal paper reports that are not intended for distribution to individual cardholders.
With that said, Issuers should strongly consider masking or truncating PAN on any account statements, whether in paper or electronic form, as the presence of full PAN in addition to other information listed on account statements (such as name, address, telephone number, etc.) could provide a malicious individual with enough information to masquerade as the cardholder.
Issuers with a legitimate business need to display full PAN on account statements can do so, but may wish to contact the payment brands directly to discuss possible alternatives. Contact details for the payment brands can be found in FAQ 1142 - How do I contact the payment card brands?
Note: The specific sub requirement number(s) and terminology may vary depending on the version of the standard being used.
Related
-
What evidence is a TPSP expected to provide to customers to demonstrate PCI DSS compliance?
-
Does PCI SSC consider guidance from other standards organizations when making updates to PCI standards?
-
If an organization provides software or functionality that runs on a consumer's device (for example, smartphones, tablets, or laptops) and is used to accept payment account data, can the organization store card verification codes for those consumers?
Featured FAQ Articles
Featured
-
Do PCI DSS requirements for keyed cryptographic hashing apply to previously hashed PANs?
-
Is the PCI DSS Attestation of Compliance intended to be shared?
-
How does an entity report the results of a PCI DSS assessment for new requirements that are noted in PCI DSS as best practices until a future date?
-
Where do I direct questions about complying with PCI standards?
-
Can SAQ eligibility criteria be used for determining applicability of PCI DSS requirements for assessments documented in a Report on Compliance?
Most Popular
-
What evidence is a TPSP expected to provide to customers to demonstrate PCI DSS compliance?
-
Does PCI SSC consider guidance from other standards organizations when making updates to PCI standards?
-
If an organization provides software or functionality that runs on a consumer's device (for example, smartphones, tablets, or laptops) and is used to accept payment account data, can the organization store card verification codes for those consumers?
-
Do PCI DSS requirements for keyed cryptographic hashing apply to previously hashed PANs?
-
Can a compensating control be used for requirements with a periodic or defined frequency, where an entity did not perform the activity within the required timeframe?
Most Recently Updated
-
Are Mobile Payments on COTS (MPoC) solutions, Software-based PIN Entry on COTS (SPoC)™ solutions, or Contactless Payments on COTS (CPoC™) solutions eligible for a P2PE Solution approval?
-
How can an entity meet PCI DSS requirements for PAN masking and truncation if it has migrated to 8-digit BINs?
-
Can a compensating control be used for requirements with a periodic or defined frequency, where an entity did not perform the activity within the required timeframe?
-
How does encrypted cardholder data impact PCI DSS scope for third-party service providers?
-
Does PCI SSC provide a list of PCI DSS-compliant third-party service providers?