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Illustration of a Zone PIN Key (ZPK) protecting PIN data in a payment network

HSM & Security

What is ZPK (Zone PIN Key)?

ZPK, also known as the PIN Protection Key, is a data encryption key that is distributed automatically and used to encrypt PINs. It is also referred to as the 'Working Key'. This key allows PIN information to be carried securely across the network.

Illustration representing the advantages and disadvantages of credit cards

Credit Card

What Are the Advantages and Disadvantages of a Credit Card?

Credit cards can be a convenient way to manage income and expenses, but for those who don't know how to use them, they can become an expensive and risky product. Here are the key pros and cons to weigh before applying for one.

Merchant and bank settlement process for POS transactions

Merchant & POS

How do banks work with merchants?

After a merchant applies to a bank and the required checks on the company are completed, a POS is connected to the customer. Settlement can be commission-based, held for a period, or both, depending on the agreement.