cardholder data (CD)

Cardholder data (CD) refers to the primary account number (PAN) of a payment card belonging to a cardholder, along with any of the following data types: cardholder name, expiration date or service code (a three- or four-digit number coded onto the magnetic-stripe that specifies acceptance requirements and limitations for a magnetic-stripe-read transaction).

Cardholder data (CD) is any personally identifiable information (PII) associated with a person who has a credit or debit card.

Cardholder data includes the primary account number (PAN) along with any of the following data types: cardholder name, expiration date or service code. A service code is a three- or four-digit number on cards that use a magnetic-stripe. The service code specifies acceptance requirements and limitations for a magnetic-stripe-read transaction.

If the cardholder name, expiration date and/or service code are stored, processed or transmitted with the PAN, they must be protected in accordance with Payment Card Industry Data Security Standards (PCI DSS) requirements.

This was first published in May 2014

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