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Zone Working Key PIN encryption between banks

HSM & Security

What Is ZWK (Zone Working Key)?

ZWK stands for Zone Working Key. It encrypts the PIN so that it can travel securely between different financial institutions, such as the acquiring bank and the issuing bank.

Diagram of PIN Encryption Key (PEK) structure

HSM & Security

What is PEK (Pin Encryption Key)?

PEK is the abbreviation for Pin Encryption Key. The role of PEK is to encrypt PINs. There are two types of PEK: TPK (Terminal Pin Key) and ZWK (Zone Working Key).