The Zambia Electronic Clearing House Limited being of processor of payment card information of major international payment card brands including VISA, MasterCard, JCB and UnionPay upholds and is compliant with the Payment Card Industry Data Security Standard (PCI DSS). The PCI Standard is mandated by the card brands and administered by the Payment Card Industry Security Standards Council. The standard was created to increase controls around cardholder data to reduce credit card fraud. Validation of compliance is performed annually or quarterly, either by an external Qualified Security Assessor(QSA) or by a firm specific Internal Security Assessor (ISA) that creates a Report on Compliance for organizations handling large volumes of transactions, or by Self-Assessment Questionnaire (SAQ) for companies handling smaller volumes.