What compliance is required for businesses using credit cards in both physical and web locations?

Businesses that handle credit card transactions in both physical and online environments must adhere to PCI compliance, which stands for Payment Card Industry Data Security Standard (PCI DSS). This set of security standards is designed to ensure that all companies that accept, process, store, or transmit credit card information maintain a secure environment. PCI compliance is crucial for protecting cardholder data and helps to reduce the risk of data breaches and fraud.

The standards outlined by PCI DSS include requirements for maintaining a secure network, implementing strong access control measures, regularly monitoring and testing networks, and maintaining an information security policy. Achieving PCI compliance not only protects customers' sensitive information but also helps businesses avoid potential fines and legal issues that may arise from data breaches.

The other options do not pertain to credit card processing. For instance, PHI certification relates to Protected Health Information, important in the healthcare sector. POTS implementation refers to Plain Old Telephone Service, which is not relevant to credit card transactions. PII filtering focuses on Personally Identifiable Information, which while important, does not specifically address the requirements for handling credit card data. Thus, emphasizing PCI compliance is crucial for any business involved in credit card transactions.