Using Futurex's FIPS 140-2 Level 3 and PCI HSM validated technology, VirtuCrypt cloud payment HSMs can perform cryptographic operations required for UAT and development associated with payment applications. This includes all functions available on the Futurex payment HSM used for various payment application use cases, including P2PE functions (cardholder data decryption, cardholder data translation), PIN and offset generation, online and mobile PIN management, EMV key generation and derivation, mobile payment token issuing, PIN translation and verification, EMV card validation, CVV validation and all related financial key management functions.