Encryption of Host-to-Host Payment Transactions Using Master Session Key Implementation for Multi-Merchant Acquirer Integration via a Single Payment Gateway Platform

Abstract

In the era of digital transactions, ensuring the security and scalability of a payment gateway solution is paramount. This paper explores the implementation of master-session key encryption for host-to-host payment transactions, facilitating seamless integration with multiple merchant acquirers through a single payment gateway platform. The master-session key method provides a robust framework for securing sensitive information, ensuring data integrity, protecting against unauthorized access, and improves interoperability among diverse financial entities. This paper outlines the architecture, key management, encryption process, and security benefits of this approach.