Avoid a$ 100, 000/month Compliance Disaster
March 31, 2025: The Clock is Ticking. What if a single neglected text could cost your company$ 100, 000 per month in non-compliance charges? PCI DSS v4 is coming, and businesses handling pay card information may be prepared.
Beyond charges, non-compliance uncovers businesses to online scanning, third-party storyline attacks, and emerging browser-based threats.
But, how do you get ready in time?
Reflectiz sat down with Abercrombie &, Fitch ( A&, F), for a no-holds-barred discussion about the toughest PCI DSS v4 challenges.
Kevin Heffernan, Director of Risk at A&, F, shared meaningful insights on:
- What worked ( and saved$$$ )
- What didn’t ( and cost time &, resources )
- What they wish they had known earlier
➡ See the Full PCI DSS v4 Webinar Then
( Free On-Demand Access – Learn from A&, F’s Compliance Experts )
What’s Changing in PCI DSS v4.0.1?
Gpu DSS v4 introduces stricter safety standards—especially for third-party scripts, computer security, and constant monitoring. Two of the biggest problems for online retailers are specifications 6.4.3 and 11.6.1.
Need 6.4.3– Payment Page Script Security
Most companies rely on third-party codes for shopping, analysis, live talk, and fraud detection. But attackers exploit these scripts to into payment pages ( Magecart-style attacks ).
New PCI DSS v4 stipulates:
Narrative Inventory – Every text loaded in a user’s computer may be logged and justified.
Integrity Controls– Businesses has verify the dignity of all transaction page scripts.
Authorization – Just approved scripts should do on check pages.
How A&, F Tackled It:
- Conducted text reviews to identify unwanted or difficult third-party relationships.
- Used Content Security Policy ( CSP) to restrict third-party scripts.
- Utilized bright automatic certifications to keep time and money.
Need 11.6.1 – Change &, Tamper Detection
Even if your scripts are safe now, attackers can inject malicious modifications afterwards.
New PCI DSS v4 stipulates:
Mechanism- Constant change and compromise monitoring device deployment for payment page script changes.
Illegal changes- HTTP folder monitoring to detect illicit modifications.
Integrity- Regular integrity checks ( or more often based on risk levels and indicators of sacrifice ).
How A&, F Tackled It:
- Deployed uninterrupted monitoring to detect illicit modifications.
- Used Security Information and Event Management ( SIEM) for centralized monitoring.
- Created automated updates and batch-approval for text, composition and header modifications on shopping pages.
New Update: The SAQ A Exemption Clarification
from the PCI council states the following regarding SAQ A marchants ]self-assessment questionnaire]:
- Eligibility Requirement: Retailers must ensure their site is not exposed to text assaults affecting e-commerce systems.
- Compliance Options:
- Implement protection techniques ( like those in PCI DSS Requirements 6.4.3 and 11.6.1 ) either directly or through a third party
- And obtain validation from PCI DSS-compliant service providers that their embedded payment option includes script attack protection
- Limited Applicability: The criteria only applies to merchants using embedded payment pages/forms ( e. g., iframes ) from third-party service providers.
- Exemptions: Stores who redirect customers to payment processors or completely hire pay functions are not subject to this condition.
- Recommendations: Merchants should consult with their services providers about stable implementation and check with their purchaser that SAQ A is suitable for their atmosphere.
Note that even if you qualify for SAQ A, your whole website must still be secured. Some businesses will also need real-time monitoring and alerts, making total compliance solutions relevant independently.
A&, F’s Top 3 PCI DSS v4 Pitfalls ( And How to Avoid Them )
With numerous payment pages to safe across the globe, Abercrombie and Fitch’s compliance excursion was difficult. Kevin Heffernan, Director of Risk, has suggested three major mistakes that online stores often make.
Mistake# 1: Relying solely on CSP
While Content Security Policy ( CSP) helps avoid script-based attacks, it doesn’t protect fluid changes in code or external sources. PCI DSS requires more morality identification.
Mistake# 2: Avoiding Third-Party Vendors
Most stores rely on external payment gateways, talk widget, and tracking scripts. If these suppliers don’t agree, you’re also responsible. Often inspection third-party integrations.
Mistake# 3: Treating Compliance as a One-Time Fix
Usb DSS v4 demands continued monitoring—meaning you can’t really accounting scripts once and forget about it. Constant monitoring solutions will be important for compliance.
Last Takeaways from A&, F’s PCI Compliance Journey
- Threat Assessment First – Identify and map risks, supply chain challenges, and components ‘ failures before jumping into compliance modifications.
- Safe Your Pay Page Scripts – Configure tight HTTP security url, such as .
- Monitor Continuously – Use constant monitoring, SIEM, and interfere detection alerts to capture modifications until attackers exploit them.
- Don’t Believe Vendors Have You Covered – Audit third-party codes and integrations—compliance duty doesn’t halt at your network.
The March 31st 2025 Deadline is Closer Than You Think
Waiting too long to begin creates safety gaps and risks expensive fines. A&, F’s encounter shows why first preparation is important.
➡ Avoid Costly PCI Fines- See the PCI DSS v4 Webinar Then to understand how a key global retailer tackled compliance—and what you can do today to avoid fines and security risks.