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What Is The Difference Between Masking And Truncation In PCI Compliance?

Picture of David Gamey David Gamey : Jan 17, 2017 10:07:00 PM

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What Is The Difference Between Masking And Truncation In PCI Compliance?

Masking and truncation of cardholder data may seem the same on the surface (eg. 423456XXXXXX7890); however, each implies different functionality.

Masking applies to displays and implies the data can be accessed behind the scenes.

Truncation applies to storage and implies the permanent and irrecoverable transformation of the original data.

For more see the official PCI Compliance glossary.
8-Digit BINs and the Great PCI Truncation Reset

8-Digit BINs and the Great PCI Truncation Reset

Picture of David Gamey David Gamey : Jan 20, 2022 7:59:00 AM

Visa, MasterCard, Discover, JCB, and Union Pay hit ‘reset’ on the PCI DSS truncation rules in December 2021 and January 2022 providing an...

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Another Way 8-Digit Bins Complicate PCI Compliance: It's Not Just Data-at-Rest

Another Way 8-Digit Bins Complicate PCI Compliance: It's Not Just Data-at-Rest

Picture of David Gamey David Gamey : Apr 23, 2021 10:07:00 PM

The adoption of 8-digit BINs in 2022 has already created many transitional challenges for organizations needing access to the full BIN numbers (see...

pci JCB UnionPay bin VISA MasterCard
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8-digit BIN Issues and Risks Remain after PCI Truncation Rules Clarified

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8-digit BIN Issues and Risks Remain after PCI Truncation Rules Clarified

Picture of David Gamey David Gamey : Oct 10, 2017 10:07:00 PM

Last month we wrote this article about issues arising from the addition of new BIN ranges and the lack of clear guidance specifically with 16-digit...

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