B (Enable phone VPN authentication based on end-user username and password):When legacy devices don’t support certificate-based authentication, fallback to username/password provides a temporary workaround while maintaining PCI compliance, assuming strong credentials and secure tunnels are used.

Other options explained:

A: Immediate hardware replacement may not be feasible.

C: TLS 1.0 fallback violates PCI standards, which prohibit deprecated protocols.

D: Clear text authentication is non-compliant with PCI requirements.