The vast majority of payments over the last few years have been cashless. Digital payment solutions are continually evolving in line with customer expectations and market demand.
ATMs and POIs as established starting points in the transaction chain are being complemented by non-card-based payment methods such as smartphones or IoT devices.
In this highly regulated industry, the complexity and potential exposure to security vulnerabilities are of increasing concern. Utimaco offers modular, proven, and compliant applications to secure the whole heterogeneous transaction processing chain, from points of departure to the end - in full compliance with PCI DSS and FIPS 140 regulations.
From Merchant’s Points of Sales, mobile devices, and ATMs, Utimaco covers the complete chain of PIN encryption, authorization, PIN translation and Key Management through Acquirers, Switches and Issuers. Utimaco’s Atalla Division invented encrypted PIN and ATM messages in the 1970s and has led the evolution of standards and innovation ever since
Applications for Payment Security
Payment Hardware Security Module
Tamper-proof, hardware-based, available, redundant, secure, reliant, and complaint – is how a payment HSM should be.
Converged HSM
Enables true multi-tenancy on a single platform. Deployed as HSMaaS supporting general purpose, payment, and all other use cases and compliance requirements.
Virtual Payment Hardware Security Module
Benefit from the security features of a Hardware Security Module without worrying about deployment, maintenance, and technical set-up.
Tokenization
Replacing sensitive data with non-sensitive tokens enables secure business operations without sharing sensitive information.
Key Management
Sensitive data must not only be encrypted, but also kept secure while in motion, in use, or at rest. Reap the benefits of properly managing your encryption keys.
