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Essential HSM Selection Criteria for PCI DSS
Criteria Requirement Why It Matters
FIPS 140-2/3 Validation Must be FIPS 140-2 Level 3 (or FIPS 140-3 Level 3) validated Required by PCI PIN and P2PE; strongly recommended for general PCI DSS key protection
Tamper Resistance Physical and logical tamper detection/response (e.g., zeroization on breach) Prevents key extraction if device is compromised
Secure Key Storage Keys never leave HSM in plaintext; all crypto operations inside HSM Meets PCI DSS Req 3.5–3.7
High Availability & Scalability Clustering, load balancing, failover support Ensures uptime for payment systems
APIs & Integration Supports PKCS#11, Java JCA/JCE, Microsoft CNG, REST (for cloud) Enables integration with apps, databases, payment switches
Audit Logging Immutable, time-stamped logs of all operations Supports PCI DSS Req 10 (logging & monitoring)
Role-Based Access Control (RBAC) Separation of duties (e.g., crypto officer vs. auditor) Aligns with PCI DSS Req 7 & 8
Cloud or On-Prem? Choose cloud HSM (e.g., AWS CloudHSM, Azure Dedicated HSM, GCP Cloud HSM) or on-prem appliance (e.g., Thales, Entrust, Utimaco) Cloud HSMs simplify scalability; on-prem offers full control
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