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AWS Payment Cryptography

Cryptography for card payments

A managed payment cryptography service that performs operations such as generating/verifying PINs and CVVs and encrypting card data to PCI standards, replacing physical payment HSMs.

  • Cost$$ Medium
  • Difficulty●●●●●
  • Costs money when idle?A little
  • Serverless

Scope: Regional

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Think of it asLike renting a bank's dedicated vault room instead of buying your own safe.

When to use it

✓ Use it when

Card transaction processing that needs PCI-standard payment cryptography operations.

✗ Avoid it when

General data encryption → KMS; general-purpose HSM → CloudHSM.

Common uses

  • PIN and CVV verification
  • Exchange keys between parties in a payment network
  • Migrate payment HSM systems to the cloud

What does it cost?

  • Pricing model: Charged by the number of keys stored each month plus the number of cryptographic API calls.

Reference prices for us-east-1, updated October 14, 2026; they may have changed. Always check the AWS pricing page.

Related services

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