1. PCI DSS v4 introduces stricter security standards, especially for third-party scripts, browser security, and continuous monitoring, with two main challenges for online merchants being requirements 6.4.3 and 11.6.1.
2. Requirement 6.4.3 focuses on payment page script security, mandating script inventory, integrity controls, and authorization for approved scripts on checkout pages. It has tackled by conducting script audits, using Content Security Policy (CSP), and smart automated approvals.
3. Requirement 11.6.1 concerns change and tamper detection, necessitating mechanisms for continuous monitoring, unauthorised changes detection through HTTP header monitoring, and weekly integrity checks. A&F addressed this by deploying continuous monitoring, utilizing SIEM, and creating automated alerts for changes on checkout pages.
4. A recent clarification from the PCI council emphasizes eligibility requirements, compliance options, limited applicability, exemptions, and recommendations for SAQ A merchants, highlighting the need for secure implementation and real-time monitoring even if qualifying for SAQ A.
5. Top three PCI DSS v4 pitfalls include relying only on CSP, ignoring third-party vendors' compliance, and treating compliance as a one-time fix. Final takeaways from A&F's compliance journey stress risk assessment, secure payment page scripts, continuous monitoring, and auditing third-party integrations for ongoing compliance.

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