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Payment Key Management for ATM and Payment Networks

Cloud-native cryptographic key management platform for ATM terminals, payment switches, and host environments.

Currently in preview • Designed for PCI PIN–aligned environments
(Available for early access and design partnerships)

Built for processors, ATM networks, switch operators, and fintech platforms.

Secure Key Management Architecture Without Disrupting Transaction Processing

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Illustrative architecture. Final implementation and controls are aligned to PCI PIN requirements as part of ongoing development.

How Statera KMS Works (Architecture Flow)

1. Key Creation (HSM Boundary)

Cryptographic keys are generated and protected within AWS-backed HSM infrastructure.

  • No plaintext keys leave the HSM boundary

  • Keys are managed using secure references (not raw values)

2. Key Exchange (TR-31 / TR-34)

Statera KMS orchestrates secure key exchange between hosts and ATM networks.

  • TR-31 key blocks for secure transport

  • TR-34 for remote key loading to ATMs

  • All exchanges handled via secure APIs

3. Secure Key Distribution

Keys are delivered securely without exposing sensitive material.

  • ATMs receive wrapped keys

  • Host systems use secure key references

  • No processor-level key storage required

4. Lifecycle Management

Centralized control over key lifecycle operations.

  • Key activation, rotation, and retirement

  • Version tracking and audit visibility

  • Policy-driven key usage

5. API Control Layer

All operations are managed through secure APIs.

  • Role-based access control

  • Integration with ATM switches and processors

  • Designed for high-availability environments

No plaintext keys • No processor key storage • Secure HSM-backed operations

Keys are never stored in your processor environment

All key operations are performed within AWS-backed HSM services.

  • No plaintext key material leaves the cryptographic boundary

  • Processors and hosts interact using secure key references only

  • Eliminates exposure of sensitive key material in application environments

KMS Infrastructure for ATM & Payment Environments

  • TR-31 key block support (architecture)

  • TR-34 remote key loading (architecture-ready)

  • Terminal and host key management

  • Key rotation and status tracking

  • HSM-backed cryptographic operations

  • Audit-ready operational logging

Transition from Manual Key Management

  • Reduces reliance on manual key ceremonies

  • Eliminates terminal-side key injection where supported

  • Enables centralized lifecycle control across environments

Security and Reliability

  • Secure API communication using HTTPS

  • High-availability infrastructure

  • Designed for integration with payment processing systems

  • Operational monitoring and logging

Key Capabilities

  • Terminal KEK management

  • Host working key lifecycle management

  • TR-31 key import/export support

  • TR-34 remote key loading workflows

  • PIN, MAC, and data key management

  • Key status tracking: Pending, Active, Retired

  • Secure API-based key operations (in development)

  • Audit logging and administrative controls (planned)

  • PIN, MAC, and data key management (working keys)

How Payment Key Management Works

  1. A system initiates a key operation (terminal, host, or admin)

  2. Statera KMS performs the secure cryptographic operation via HSM

  3. Systems use key references — not raw keys

Built for Secure Payment Infrastructure

  • PCI PIN-aligned key handling

  • HSM-backed cryptographic operations

  • Separation of key material and application logic

  • No raw key storage at the processor level

  • Key references used in application workflows

  • Full administrative and operational audit trail

Simple Integration into Existing Payment Systems

The Statera Payment KMS is designed to integrate with ATM switches, host systems, and payment infrastructure without requiring a full replacement of existing transaction processing systems.

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  • REST-based API interface

  • Works with ATM and host environments

  • Supports existing switch architecture

  • Compatible with HSM-backed implementations

  • Designed for staged deployment​

  • No changes to your transaction processing flow are required

  • Designed to integrate without requiring changes to existing transaction message flows (ISO8583 / NDC compatible)

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Integration approach validated against standard ATM and host interfaces. Implementation finalized during deployment phase.

Built for Payment Infrastructure Operators

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Why Statera Payment KMS

Designed to reduce manual key management overhead
Supports TR-31 and TR-34 payment key workflows
Centralizes key rotation and lifecycle tracking
Provides audit visibility for secure operations
Reduces operational risk and dependency on manual processes

Statera Payment KMS Preview

A concise summary of key management architecture, security model, and integration approach.

Built for organizations preparing for modern, PCI-aligned key management infrastructure

Discuss Your Payment Infrastructure

Thank you for contacting us.

We typically respond within 24 hours to integration and deployment inquiries.

For integration discussions, partnership inquiries, or platform evaluations:

anthony.meiring@stateraconsulting.net

Based in Florida, USA
Serving ATM networks, processors, and fintech platforms globally

© 2026 Statera Consulting LLC. All rights reserved.

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