Cardholder Data (CHD)

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Primary Account Number (PAN), the 15 or sometimes 16-digit account number on a credit or branded debit card, is the minimal need for cardholder data. Sensitive Authentication Data (SAD), such as the 3 or 4 digit code printed on a card, magnetic stripe data, PIN, or chip data, may also be included in cardholder data, along with the cardholder’s name, expiration date, and/or service code.