The Payment Card Data Security Standard is the security standard issued by the Payment Card Industry Security Standards Council. This infers that fraud avoidance measures will be utilized just if their expense are lower than the potential gains from fraud decrease, whereas mind-boggling expense low-return measures won't be utilized – as would be normal from organizations whose goal is benefit maximization. Web fraud may be by claiming a charge back which is not supported or carried out by the utilization of credit card information which can be stolen from various perspectives, the least difficult being replicating information from retailers, either on the web or disconnected. The goal of the credit card companies is not to eliminate fraud, but rather to "lessen it to manageable levels". This data security standard is utilized by acquiring banks to force cardholder data safety efforts upon their merchants.