The Secure Transaction Cloud (STC) solutions offer NFV based virtualized secure payment applications for transaction transport, routing, and switching with specific Virtual Network Functions (VNF) for security (TLS, IPSec, SSH, HTTPS), transaction protocols (ISO20022, ISO8583, TPDU, VISA, XML), P2PE, Tokenization, Host Interfaces, Load Balancing etc. The virtualized capabilities allow the solution to support a wide range of payment types including Internet payments, mobile payments, POS based transactions which are IP/Mobile access based, ATM transactions, and all forms of eCommerce, mCommerce payments with PCI standards compliant security utilizing virtualized cloud native HSMs and Smart API integration