Payment cryptography that works on your terms
10XPay is Payment Cryptography as a Service (PCaaS) designed around the realities of financial institution operations: hybrid deployment alongside existing infrastructure, simple, zero-development migration, a compliance model that reduces your burden, and built-in resilience that works when you need it most.
The landscape is shifting
The payment security landscape is evolving rapidly. Certification cycles are accelerating, regulatory demands are increasing, and the specialists who built and maintained on-premises HSM infrastructure are considered rarities, equipped with decades of operational knowledge. The infrastructure itself remains proven and trusted. The challenge is what surrounds it: growing complexity, shrinking teams, and rising expectations from regulators, schemes, and the business.
10XPay was built for this moment.
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What sets 10XPay apart
Five capabilities that define how 10XPay approaches payment cryptography differently.
Business continuity by design, not by exception.
10XPay’s built-in failover protocol allows financial institutions to pre-stage cryptographic processing in a secondary region and switch on demand, keeping card payment security operations running even when infrastructure is under pressure. The institution controls when and whether to activate. Verisec handles the rest.
This capability has been proven in production.
- Pre-staged regional processing ready to activate on demand
- Institution-controlled switch: not automatic, not a patch
- Continuous card payment security across regions
Modernisation without the disruption: extend your existing HSM pool, do not replace it.
10XPay integrates directly alongside your current on-premises HSMs as a cloud extension of your existing pool. No rip-and-replace. When on-premises device pools approach their limits, 10XPay absorbs the overflow. When hardware goes offline for maintenance, 10XPay keeps operations running, reducing multi-hour overnight windows to minutes. When you need more capacity, it is a call, not a procurement cycle.
- Direct integration with existing on-premises HSM infrastructure
- Elastic capacity extension: scales to demand without new hardware
- Maintenance windows reduced from hours to minutes
- Gradual transition, not full replacement: build on existing investments
- Simplified key management alongside your on-premises pool
Migrate to cloud HSM without changing a line of host application code.
10XPay’s API matches the interface of the industry-standard on-premises payment HSM. Your host applications see it as an additional local device. No new APIs to integrate, no rip-and-replace, no extended project timelines. Leverage the cloud without rebuilding what already works.
- API compatibility with the industry-standard on-premises payment HSM interface
- No host application changes required in standard deployments
- Same operational experience as your existing on-premises environment
- Migration complexity is the biggest barrier to cloud adoption: this removes it
Reduce the total cost of cryptographic ownership, and redirect that resource where it belongs.
Institutions see lower total cost of ownership over five years compared to on-premises HSM deployment. No upfront hardware investment. No “peak capacity tax.” HSM administration, key custodian logistics, and PCI compliance documentation shift to Verisec’s expert team. And because 10XPay’s infrastructure is certified, PCI audit requirements are already satisfied before your own assessment begins.
Start with a defined traffic scope, build confidence, and extend incrementally.
- lower total cost of ownership over five years vs. on-premises HSM
- PCI audit requirements already covered by pre-certified infrastructure
- No upfront hardware investment: start with defined traffic scope and scale as needed
- HSM administration, key custodian duties, and compliance overhead shift to Verisec
- Balanced, predictable cash flow vs. large upfront CAPEX commitment
Expert guidance, built into the relationship.
The specialists who built your payment HSM environment may be approaching their limits. In many institutions, in-house expert knowledge is not scalable. When those one or two people non-available, the institution risks the ability to confidently operate its own cryptographic infrastructure.
Verisec’s team are practising experts in payment security, cryptography, and operational infrastructure at scale. This is not a support ticket queue. It is access to a team that answers not just “how does the service work” but “what should we do about this mandate” and “how does this regulatory change affect our architecture”.
- Direct access to Verisec’s payment cryptography and security experts
- Guidance on scheme mandates, regulatory changes, and strategic planning
- A safeguard against institutional knowledge loss as HSM specialists are limited
- Relationship-driven: your team and ours, working through real challenges together
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Proven in production
These capabilities have been tested in real conditions.
10XPay’s architecture is not built around theoretical resilience. The failover protocol, simple, hybrid operation operation, and zero-development migration have all been demonstrated in live production environments, including a real-world activation during infrastructure disruptions in the Middle East in early 2026
Ready to see what 10XPay looks like in your environment?
Whether you are evaluating your first move toward cloud payment cryptography, planning for resilience, or looking for a partner that understands the full operational complexity, our team is ready to have that conversation.
