8.7 PCI DSS (v3.2.1)

All access to any database containing cardholder data (including access by applications, administrators, and all other users) is restricted as follows:

• All user access to, user queries of, and user actions on databases are through programmatic methods.
• Only database administrators have the ability to directly access or query databases.
• Application IDs for database applications can only be used by the applications (and not by individual users or other non-application processes).