Hardware & Key SecurityPayment HSM
India’s first made-in-India Payment HSM — PIN, card, and 3-D Secure crypto.
CryptoBind Payment HSM is India’s first made-in-India Payment Hardware Security Module — securing PIN and card transaction verification, PVV/CVV generation, EMV chip and magnetic-stripe card issuance, and 3-D Secure, with both FIPS 140-3 Level 3 and PCI PTS HSM compliance on the same device. Faltrox deploys and operates it for banks, fintechs, and payment processors.
Overview
What Payment HSM is
Payment cryptography has stricter requirements than general-purpose crypto — PIN block translation, card verification values, EMV key derivation, and 3-D Secure all demand a certified Payment HSM, and PCI DSS mandates one. CryptoBind Payment HSM (by JISA Softech) is India’s first made-in-India Payment HSM, purpose-built for retail and banking payment security.
It protects the cryptographic keys and customer PINs used across POS systems, ATMs, and card issuance — generating PVV and CVV data, supporting card keysets, POS/ATM network protocols, and 3-D Secure issuance and authorization — while uniquely supporting NIST FIPS 140-3 Level 3 and PCI PTS HSM compliance on the same device, plus a non-FIPS mode for custom applications and post-quantum algorithms. With up to 42 isolated partitions, cross-region clustering, and an API-first SDK, Faltrox deploys and operates it for banks, fintechs, and payment processors.
Coverage
What it protects
The platforms, threats, and surfaces this product is built to defend.
PIN & Card Verification
Secures PIN and card transaction verification at POS and ATMs.
PVV / CVV & Keysets
Generates PVV and CVV data and manages card keysets.
EMV & Card Issuance
Secures magnetic-stripe and EMV chip card issuance and processing.
3-D Secure
Supports 3-D Secure issuance and authorization.
Dual Compliance
FIPS 140-3 Level 3 and PCI PTS HSM compliance on one device.
Multi-Tenancy
Up to 42 isolated partitions for multiple applications or customers.
How it works
The mechanism
How the product moves from signal to protected state, step by step.
- 01
Secure the Keys
Payment and card keys are generated and stored inside the certified, tamper-resistant boundary.
- 02
Process Transactions
PIN verification, PVV/CVV generation, and EMV operations are offloaded to the HSM at scale.
- 03
Authorize
3-D Secure issuance and authorization and POS/ATM network protocols are supported securely.
- 04
Comply
FIPS 140-3 Level 3 and PCI PTS HSM compliance are met on the same device for audit.
- 05
Operate
Faltrox deploys, clusters across regions, and operates it for continuous payment security.
Capabilities
Key capabilities
PIN & Card Transaction Security
Secures PINs and card data across POS, ATM, and issuance.
PVV / CVV Generation
Generates card verification values and manages card keysets.
EMV & 3-D Secure
Supports EMV chip issuance and 3-D Secure issuance and authorization.
Dual FIPS + PCI Compliance
NIST FIPS 140-3 Level 3 and PCI PTS HSM on the same device.
Multi-Mode Operation
FIPS mode plus a non-FIPS mode for custom apps and PQC algorithms.
Clustering & HA
Cross-region clustering for high availability and disaster recovery.
Multi-Tenancy
Up to 42 cryptographically isolated partitions.
API-First Integration
Comprehensive SDK and API-first design across multi-cloud, hybrid, and OEM.
Specifications
Technical detail
- Compliance
- NIST FIPS 140-3 Level 3 and PCI PTS HSM on the same device
- Payment Functions
- PIN verification, PVV/CVV generation, card keysets, EMV, 3-D Secure
- Partitions
- Up to 42 cryptographically isolated partitions
- Availability
- Cross-region clustering for HA and disaster recovery
- Post-Quantum
- PQC algorithm support in non-FIPS mode (FIPS mode on NIST ratification)
- Integration
- API-first SDK across multi-cloud, hybrid, and OEM environments
Works with
Part of the platform
CryptoBind products this pairs with, and the Faltrox services that operate it.
CryptoBind products
Delivery
You buy the outcome, not the console
Managed by Faltrox
Faltrox licenses, deploys, and tunes CryptoBind Payment HSM for your environment, then runs it as part of a managed service, so you get the protection without staffing another security console.
FAQ
Common questions
01Why do payments need a dedicated Payment HSM?
Payment cryptography — PIN block translation, PVV/CVV generation, EMV key derivation, 3-D Secure — has specialised requirements and is mandated by PCI DSS. A Payment HSM is purpose-built and PCI PTS HSM certified for exactly these functions, which a general-purpose HSM isn’t.
02What makes CryptoBind Payment HSM notable?
It’s India’s first made-in-India Payment HSM, and it uniquely supports both NIST FIPS 140-3 Level 3 and PCI PTS HSM compliance on the same device — reducing cost and complexity — plus a non-FIPS mode for custom applications and post-quantum algorithms.
03Who uses it?
Banks, card issuers, payment processors, fintechs, and switches — anyone processing PINs, issuing cards, or running POS/ATM networks and 3-D Secure. Faltrox deploys and operates it for regulated payment environments.
04Does it meet Indian regulatory requirements?
CryptoBind HSMs are built to meet requirements from regulators including RBI, NPCI, NCIIPC, and UIDAI, alongside FIPS and PCI. Faltrox aligns the deployment to your specific regulatory obligations and supports the audit.
05How does Faltrox deliver it?
We deploy the Payment HSM, design the key and partition architecture, integrate it with your card, POS/ATM, and 3-D Secure systems, set up cross-region clustering for HA/DR, and operate it — with the compliance evidence your PCI and RBI audits require.
Start an engagement
Secure what’s next.
Speak with the engineering team to define scope, walk through the methodology, and decide whether Faltrox is the right team to test and run your environment.
Contact us