Carding

When we talk about PCI DSS compliance, the conversation tends to stay clinical. Scoping exercises. Network diagrams. Encryption at rest. But compliance doesn’t exist in a vacuum. It exists because there’s a thriving, industrialized criminal economy on the other end waiting to monetize every gap you leave open. Rapid7 published a detailed piece of research this month that every QSA, security engineer, and compliance leader should read: their analysis of the carding-as-a-service (CaaS) ecosystem and the underground dump shops that power it. Having spent years on the assessor side of PCI, I want to connect what Rapid7 found directly back to what it means for your cardholder data environment and your scoping decisions.