A More Efficient Way of Using Payment HSMs

If you are involved in processing retail card and mobile payments or in issuing cards, you have to use Payment HSMs (Hardware Security Modules).

These devices play a major part in securing the payments ecosystem. But they introduce complexity into the IT infrastructure as well as significant costs — not all of which are understood. This paper explains the issues in operating your own Payment HSMs and proposes that accessing the capabilities using a cloud-based service is a more efficient approach.

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A More Efficient Way of Using Payment HSMs