PCI DSS sets a minimum
PCI DSS requires external and internal penetration testing at least once every 12 months and after significant changes.
Source: PCI DSS v4.0, requirement 11.4

A penetration test is an authorised, controlled attempt to break in, so you learn where the weaknesses are on your terms. The value is not the report. It is the findings fixed and proved closed.
Internet facing systems, remote access and email defences tested the way an outside attacker would approach them.
What an attacker could reach after compromising one laptop or account: lateral movement, privilege escalation and data access.
Client portals and web applications tested for common and business logic vulnerabilities.
Configuration and identity weaknesses in Azure, AWS and Microsoft 365.
Ongoing scanning between tests, so new weaknesses are found in weeks, not at the next annual test.
Every finding tracked to closure and retested to confirm it is fixed.
Targets, rules of engagement and timing agreed in writing.
Testing carried out within the agreed limits.
Findings ranked by risk, with clear fixes.
Fixes verified and the result recorded.
PCI DSS requires external and internal penetration testing at least once every 12 months and after significant changes.
Source: PCI DSS v4.0, requirement 11.4
The future dated requirements of PCI DSS v4.0 became mandatory on 31 March 2025.
Source: PCI Security Standards Council
At least annually, and after significant changes to systems or applications. Regulated and card handling businesses may have specific requirements.
Testing is scoped and timed to avoid disruption. Higher risk tests can be run out of hours or against test environments.
A scan is automated and finds known weaknesses. A penetration test adds a skilled tester who chains weaknesses together to show what an attacker could really achieve.
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