TRX Services Achieves PCI 4.0 Certification: What It Means for Merchant Security
TRX Services is now PCI 4.0 certified. Learn how the new standard strengthens payment security and benefits merchants in a changing digital landscape.
Introduction
We're proud to announce that TRX Services is now officially PCI DSS 4.0 certified – a major milestone in our ongoing commitment to protecting cardholder data and helping our merchants stay secure in an evolving digital landscape.
As cyber threats grow more sophisticated, data security standards must evolve to keep pace. That's exactly what the Payment Card Industry Data Security Standard (PCI DSS) version 4.0 aims to do. As the newest update to PCI standards, PCI 4.0 represents a significant leap forward from version 3.2.1, delivering more flexibility, stronger protections, and a future-ready framework for payment security.
Let's explore what PCI 4.0 means for your business - and how TRX Services is helping merchants take full advantage of the security benefits.
What is PCI DSS 4.0?
PCI DSS is the global standard for securing credit card data. It's maintained by the PCI Security Standards Council, which regularly updates the framework to address emerging threats and improve data protection practices.
Version 4.0 was released to strengthen security while also providing organizations with more options for achieving compliance. It replaces PCI DSS 3.2.1, which was sunset in March 2024, and introduces new requirements designed to meet today’s cybersecurity demands.
Key Improvements of PCI 4.0 Over PCI 3.2.1
Stronger Authentication Requirements
PCI 4.0 mandates updated password policies and multi-factor authentication (MFA) for broader user roles, helping to reduce the risk of unauthorized access.
Continuous Security Monitoring
The new standard emphasizes ongoing risk management over periodic checks, requiring organizations to implement continuous security testing and monitoring practices.
More Flexibility with Customized Approaches
Unlike previous versions, PCI 4.0 introduces a "customized approach" option. This allows businesses to demonstrate compliance using security methods tailored to their unique environments - without compromising data safety.
Improved Transparency and Reporting
Enhanced reporting requirements help merchants and their service providers clearly understand and validate their compliance efforts.
Focus on Emerging Threats
PCI 4.0 incorporates protections against modern attacks like phishing, malware, and automated bots - ensuring systems are better protected against today’s most common intrusion tactics.
How Merchants Benefit from PCI 4.0 Certification
By working with a PCI 4.0 certified partner like TRX Services, merchants gain:
Stronger defense against data breaches, with modern safeguards built into every transaction.
Greater trust from customers, knowing their payment information is handled with the latest security standards.
A future-proofed payment environment, aligned with evolving technologies, risks, and regulatory demands.
Improved flexibility, especially for merchants with unique processing environments who want more adaptable compliance solutions.
Ongoing support, as TRX Services actively monitors, updates, and evolves our systems to keep your payment infrastructure compliant and secure.
Our Commitment to Security and Innovation
At TRX Services, security is never a one-time project – it's a continuous investment in your trust and protection. Our certification under PCI DSS 4.0 is just one example of how we're evolving alongside the technology landscape to provide you with the highest level of data security.
As digital payments grow and change, we remain dedicated to delivering safe, compliant, and flexible payment solutions. Because when your business is secure, your customers feel confident – and confidence is what drives growth.
Stay Protected with TRX Services
If you're already processing with TRX, you can rest easy knowing you're supported by a provider at the forefront of payment security. And if you're exploring new options, now's a great time to partner with a PCI 4.0 certified provider that puts your business first.
Contact us today to learn how TRX Services can help you stay compliant, secure, and ahead of the curve.
