Payment Card Industry Professional (PCIP) Training Test
Study Guide 2025/2026 Accurate Questions and Verified
Correct Solutions with Rationales || 100% Guaranteed
Pass <Latest Version>
Domain 1: PCI DSS Overview and Fundamentals
1. What is the primary purpose of the Payment Card Industry Data Security
Standard (PCI DSS)?
A. To process transactions more efficiently
B. To protect cardholder data
C. To set interchange fees for merchants
D. To standardize card designs globally
Rationale: The core mission of PCI DSS is to secure and protect cardholder data
throughout the payment ecosystem, preventing data breaches and fraud.
2. Who is responsible for enforcing PCI DSS compliance?
A. The PCI Security Standards Council (PCI SSC)
B. The merchant's acquiring bank or payment brand
C. The local government
D. The cardholder
Rationale: The PCI SSC develops the standards, but enforcement is handled by
the payment brands (Visa, Mastercard, etc.) and the acquiring banks (merchant's
bank) through contracts.
3. Which of the following is a key change in PCI DSS v4.0 compared to v3.2.1?
A. Reduced the number of requirements from 12 to 10
B. Introduced a customized implementation approach
C. Eliminated the need for annual penetration testing
D. Made all previously mandatory requirements optional
Rationale: PCI DSS v4.0 introduces flexibility through a "Customized
Implementation" approach, allowing organizations to achieve security objectives in
different ways, while still maintaining the rigor of the 12 core requirements.
, 4. The PCI DSS applies to all entities that:
A. Accept cash payments
B. Store, process, or transmit cardholder data
C. Manufacture payment card hardware
D. Provide internet service to retailers
Rationale: The scope of PCI DSS is defined by the presence of cardholder data,
specifically the Primary Account Number (PAN) and Sensitive Authentication Data
(SAD).
5. What is the role of the PCI Security Standards Council (PCI SSC)?
A. To process transaction disputes
B. To issue fines for non-compliance
C. To manage the global payment network
D. To develop and maintain the PCI DSS standards
Rationale: The PCI SSC is the governing body that creates and manages the PCI
DSS, PA-DSS, P2PE, and other related security standards. They do not enforce
compliance or levy fines.
Domain 2: Build and Maintain a Secure Network and Systems
6. Which requirement mandates the installation of a firewall configuration to
protect cardholder data?
A. Requirement 1
B. Requirement 2
C. Requirement 3
D. Requirement 4
Rationale: Requirement 1 is "Install and maintain network security controls,"
which primarily involves firewall and router configuration standards.
7. What is the purpose of a formal process for approving and testing all
network connections and changes to firewall rules?
A. To slow down the IT department
B. To ensure changes do not create security vulnerabilities
C. To reduce the cost of network hardware
D. To comply with tax regulations
Study Guide 2025/2026 Accurate Questions and Verified
Correct Solutions with Rationales || 100% Guaranteed
Pass <Latest Version>
Domain 1: PCI DSS Overview and Fundamentals
1. What is the primary purpose of the Payment Card Industry Data Security
Standard (PCI DSS)?
A. To process transactions more efficiently
B. To protect cardholder data
C. To set interchange fees for merchants
D. To standardize card designs globally
Rationale: The core mission of PCI DSS is to secure and protect cardholder data
throughout the payment ecosystem, preventing data breaches and fraud.
2. Who is responsible for enforcing PCI DSS compliance?
A. The PCI Security Standards Council (PCI SSC)
B. The merchant's acquiring bank or payment brand
C. The local government
D. The cardholder
Rationale: The PCI SSC develops the standards, but enforcement is handled by
the payment brands (Visa, Mastercard, etc.) and the acquiring banks (merchant's
bank) through contracts.
3. Which of the following is a key change in PCI DSS v4.0 compared to v3.2.1?
A. Reduced the number of requirements from 12 to 10
B. Introduced a customized implementation approach
C. Eliminated the need for annual penetration testing
D. Made all previously mandatory requirements optional
Rationale: PCI DSS v4.0 introduces flexibility through a "Customized
Implementation" approach, allowing organizations to achieve security objectives in
different ways, while still maintaining the rigor of the 12 core requirements.
, 4. The PCI DSS applies to all entities that:
A. Accept cash payments
B. Store, process, or transmit cardholder data
C. Manufacture payment card hardware
D. Provide internet service to retailers
Rationale: The scope of PCI DSS is defined by the presence of cardholder data,
specifically the Primary Account Number (PAN) and Sensitive Authentication Data
(SAD).
5. What is the role of the PCI Security Standards Council (PCI SSC)?
A. To process transaction disputes
B. To issue fines for non-compliance
C. To manage the global payment network
D. To develop and maintain the PCI DSS standards
Rationale: The PCI SSC is the governing body that creates and manages the PCI
DSS, PA-DSS, P2PE, and other related security standards. They do not enforce
compliance or levy fines.
Domain 2: Build and Maintain a Secure Network and Systems
6. Which requirement mandates the installation of a firewall configuration to
protect cardholder data?
A. Requirement 1
B. Requirement 2
C. Requirement 3
D. Requirement 4
Rationale: Requirement 1 is "Install and maintain network security controls,"
which primarily involves firewall and router configuration standards.
7. What is the purpose of a formal process for approving and testing all
network connections and changes to firewall rules?
A. To slow down the IT department
B. To ensure changes do not create security vulnerabilities
C. To reduce the cost of network hardware
D. To comply with tax regulations
