diff --git a/pom.xml b/pom.xml
index bd9a2e2..e386ee1 100644
--- a/pom.xml
+++ b/pom.xml
@@ -6,7 +6,7 @@
 
     <groupId>com.mastercard.developer</groupId>
     <artifactId>client-encryption</artifactId>
-    <version>1.8.2</version>
+    <version>1.8.3</version>
     <packaging>jar</packaging>
     <description>Library for Mastercard API compliant payload encryption/decryption</description>
     <url>https://github.com/Mastercard/client-encryption-java</url>
diff --git a/src/main/java/com/mastercard/developer/utils/EncryptionUtils.java b/src/main/java/com/mastercard/developer/utils/EncryptionUtils.java
index 0ed7e56..8459d7c 100644
--- a/src/main/java/com/mastercard/developer/utils/EncryptionUtils.java
+++ b/src/main/java/com/mastercard/developer/utils/EncryptionUtils.java
@@ -1,8 +1,8 @@
 package com.mastercard.developer.utils;
 
-import java.io.FileInputStream;
-import java.io.FileNotFoundException;
+import java.io.ByteArrayInputStream;
 import java.io.IOException;
+import java.io.InputStream;
 import java.nio.charset.StandardCharsets;
 import java.nio.file.Files;
 import java.nio.file.Paths;
@@ -32,17 +32,32 @@ private EncryptionUtils() {
     /**
      * Populate a X509 encryption certificate object with the certificate data at the given file path.
      */
-    public static Certificate loadEncryptionCertificate(String certificatePath) throws CertificateException, FileNotFoundException {
+    public static Certificate loadEncryptionCertificate(String certificatePath) throws CertificateException, IOException {
+        return loadEncryptionCertificate(Files.newInputStream(Paths.get(certificatePath)));
+    }
+
+    /**
+     * Populate a X509 encryption certificate object with the certificate data at the given certificate data in bytes.
+     */
+    public static Certificate loadEncryptionCertificate(InputStream certificateStream) throws CertificateException {
         CertificateFactory factory = CertificateFactory.getInstance("X.509");
-        return factory.generateCertificate(new FileInputStream(certificatePath));
+        return factory.generateCertificate(certificateStream);
     }
 
     /**
      * Load a RSA decryption key from a file (PEM or DER).
      */
     public static PrivateKey loadDecryptionKey(String keyFilePath) throws GeneralSecurityException, IOException {
-        byte[] keyDataBytes = Files.readAllBytes(Paths.get(keyFilePath));
-        String keyDataString = new String(keyDataBytes, StandardCharsets.UTF_8);
+        InputStream keyStream = new ByteArrayInputStream(Files.readAllBytes(Paths.get(keyFilePath)));
+        return loadDecryptionKey(keyStream);
+    }
+
+    /**
+     * Load a RSA decryption key from key data in bytes.
+     */
+    public static PrivateKey loadDecryptionKey(InputStream keyDataStream) throws GeneralSecurityException, IOException {
+        byte[] keyBytes = keyDataStream.readAllBytes();
+        String keyDataString = new String(keyBytes, StandardCharsets.UTF_8);
 
         if (keyDataString.contains(PKCS_1_PEM_HEADER)) {
             // OpenSSL / PKCS#1 Base64 PEM encoded file
@@ -63,17 +78,17 @@ public static PrivateKey loadDecryptionKey(String keyFilePath) throws GeneralSec
         }
 
         // We assume it's a PKCS#8 DER encoded binary file
-        return readPkcs8PrivateKey(Files.readAllBytes(Paths.get(keyFilePath)));
+        return readPkcs8PrivateKey(keyBytes);
     }
 
     /**
      * Load a RSA decryption key out of a PKCS#12 container.
      */
     public static PrivateKey loadDecryptionKey(String pkcs12KeyFilePath,
-                                            String decryptionKeyAlias,
-                                            String decryptionKeyPassword) throws GeneralSecurityException, IOException {
+                                               String decryptionKeyAlias,
+                                               String decryptionKeyPassword) throws GeneralSecurityException, IOException {
         KeyStore pkcs12KeyStore = KeyStore.getInstance("PKCS12");
-        pkcs12KeyStore.load(new FileInputStream(pkcs12KeyFilePath), decryptionKeyPassword.toCharArray());
+        pkcs12KeyStore.load(Files.newInputStream(Paths.get(pkcs12KeyFilePath)), decryptionKeyPassword.toCharArray());
         return (PrivateKey) pkcs12KeyStore.getKey(decryptionKeyAlias, decryptionKeyPassword.toCharArray());
     }
 
diff --git a/src/test/java/com/mastercard/developer/utils/EncryptionUtilsTest.java b/src/test/java/com/mastercard/developer/utils/EncryptionUtilsTest.java
index 132e6da..37255d1 100644
--- a/src/test/java/com/mastercard/developer/utils/EncryptionUtilsTest.java
+++ b/src/test/java/com/mastercard/developer/utils/EncryptionUtilsTest.java
@@ -6,7 +6,10 @@
 import org.junit.jupiter.params.provider.CsvSource;
 import org.junit.rules.ExpectedException;
 
+import java.io.InputStream;
+import java.nio.file.Files;
 import java.nio.file.NoSuchFileException;
+import java.nio.file.Paths;
 import java.security.PrivateKey;
 import java.security.cert.Certificate;
 import java.security.spec.InvalidKeySpecException;
@@ -68,6 +71,26 @@ void testLoadDecryptionKey_ShouldSupportPkcs8Der(String keyLocation, String expe
         assertArrayEquals(base64Decode(expectedEncoding), privateKey.getEncoded());
     }
 
+    @ParameterizedTest
+    @CsvSource({
+            "pkcs8/test_key_pkcs8-2048.der, 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",
+            "pkcs8/test_key_pkcs8-2048.pem, MIIEvgIBADANBgkqhkiG9w0BAQEFAASCBKgwggSkAgEAAoIBAQD0ynqAQWn0T7/VJLletTJgoxsTt5TR3IkJ+Yk/Pxg6Q5hXuiGrBdC+OVo/9hrNnptuZh9rZYKto6lbSjYFiKMeBDvPZrYDPzusp0C0KllIoVbzYiOezD76XHsQAEje0UXbzZlXstPXef2bi2HkqV26ST167L5O4moK8+7jHMT80T6XgsUyvyt8PjsQ9CSu6fnD9NfCSYmt2cb16OXcEtA7To2zoGznXqB6JhntFjG0jxee7RkLR+moOqMI9kFM5GSIV4uhwQ9FtOCjUf7TFAU12wwfX/QXUEj6G93GVtzf6QdkVkWh4EyRHeMLyMNc5c0Iw1ZvXdOKfoeo9F47QpbzAgMBAAECggEAK3dMmzuCSdxjTsCPnc6E3H35z914Mm97ceb6RN26OpZIFcO6OLj2oOBkMxlLFxnDta2yhIpo0tZNuyUJRKBHfov35tLxHNB8kyK7rYIbincDjoHtm0PfJuuG+odiaRY11lrCkLzzOr6xlo4AWu7r8qkQnqQtAqrXc4xu7artG4rfMIunGnjjWQGzovtey1JgZctO97MU4Wvw18vgYBI6JM4eHJkZxgEhVQblBTKZs4OfiWk6MRHchgvqnWugwl213FgCzwy9cnyxTP13i9QKaFzL29TYmmN6bRWBH95z41M8IAa0CGahrSJjudZCFwsFh413YWv/pdqdkKHg1sqseQKBgQD641RYQkMn4G9vOiwB/is5M0OAhhUdWH1QtB8vvhY5ISTjFMqgIIVQvGmqDDk8QqFMOfFFqLtnArGn8HrKmBXMpRigS4ae/QgHEz34/RFjNDQ9zxIf/yoCRH5PmnPPU6x8j3bj/vJMRQA6/yngoca+9qvi3R32AtC5DUELnwyzNwKBgQD5x1iEV+albyCNNyLoT/f6LSH1NVcO+0IOvIaAVMtfy+hEEXz7izv3/AgcogVZzRARSK0qsQ+4WQN6Q2WG5cQYSyB92PR+VgwhnagVvA+QHNDL988xoMhB5r2D2IVSRuTB2EOg7LiWHUHIExaxVkbADODDj7YV2aQCJVv0gbDQJQKBgQCaABix5Fqci6NbPvXsczvM7K6uoZ8sWDjz5NyPzbqObs3ZpdWK3Ot4V270tnQbjTq9M4PqIlyGKp0qXO7ClQAskdq/6hxEU0UuMp2DzLNzlYPLvON/SH1czvZJnqEfzli+TMHJyaCpOGGf1Si7fhIk/f0cUGYnsCq2rHAU1hhRmQKBgE/BJTRs1MqyJxSwLEc9cZLCYntnYrr342nNLK1BZgbalvlVFDFFjgpqwTRTT54S6jR6nkBpdPmKAqBBcOOX7ftL0b4dTkQguZLqQkdeWyHK8aiPIetYyVixkoXM1xUkadqzcTSrIW1dPiniXnaVc9XSxtnqw1tKuSGuSCRUXN65AoGBAN/AmT1S4PAQpSWufC8NUJey8S0bURUNNjd52MQ7pWzGq2QC00+dBLkTPj3KOGYpXw9ScZPbxOthBFzHOxERWo16AFw3OeRtn4VB1QJ9XvoA/oz4lEhJKbwUfuFGGvSpYvg3vZcOHF2zlvcUu7C0ub/WhOjV9jZvU5B2Ev8x1neb",
+            "pkcs1/test_key_pkcs1-2048.pem, 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"
+    })
+    void testLoadDecryptionKey_ShouldSupportPkcs8DerBytes(String keyLocation, String expectedEncoding) throws Exception {
+
+        // GIVEN
+        InputStream keyStream = Files.newInputStream(Paths.get(String.format("./src/test/resources/keys/%s", keyLocation)));
+
+        // WHEN
+        PrivateKey privateKey = EncryptionUtils.loadDecryptionKey(keyStream);
+
+        // THEN
+        assertNotNull(privateKey);
+        assertEquals("RSA", privateKey.getAlgorithm());
+        assertArrayEquals(base64Decode(expectedEncoding), privateKey.getEncoded());
+    }
+
     @ParameterizedTest
     @CsvSource({
             "test_key_pkcs1-512.pem",
@@ -87,6 +110,25 @@ void testLoadDecryptionKey_ShouldSupportPkcs1Base64Pem_512bits(String fileName)
         assertEquals("RSA", privateKey.getAlgorithm());
     }
 
+    @ParameterizedTest
+    @CsvSource({
+            "test_key_pkcs1-512.pem",
+            "test_key_pkcs1-1024.pem",
+            "test_key_pkcs1-4096.pem"
+    })
+    void testLoadDecryptionKey_ShouldSupportPkcs1Base64PemBytes_512bits(String fileName) throws Exception {
+
+        // GIVEN
+        InputStream keyStream = Files.newInputStream(Paths.get(String.format("./src/test/resources/keys/pkcs1/%s", fileName)));
+
+        // WHEN
+        PrivateKey privateKey = EncryptionUtils.loadDecryptionKey(keyStream);
+
+        // THEN
+        assertNotNull(privateKey);
+        assertEquals("RSA", privateKey.getAlgorithm());
+    }
+
     @Test
     public void testLoadDecryptionKey_ShouldSupportPkcs12() throws Exception {