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There is no shortage of opinions within the payments industry regarding PCI-DSS (Payment Card Industry Data Security Standards), and these opinions are largely driven by perspective. Issuers support PCI-DSS and demand improved compliance since they are the ones that absorb the brunt of fraud losses and operational damage control in the wake of data compromises. Merchants and acquirers appear less supportive of the standards and continue to assert concerns about complex requirements and costly compliance.

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