diff --git a/java/src/main/java/com/cybersource/ws/client/MerchantConfig.java b/java/src/main/java/com/cybersource/ws/client/MerchantConfig.java
index a1b5bc73..ba2ae18a 100644
--- a/java/src/main/java/com/cybersource/ws/client/MerchantConfig.java
+++ b/java/src/main/java/com/cybersource/ws/client/MerchantConfig.java
@@ -19,6 +19,7 @@
 package com.cybersource.ws.client;
 
 import java.io.File;
+import java.net.URI;
 import java.text.MessageFormat;
 import java.util.Properties;
 
@@ -38,6 +39,7 @@ public class MerchantConfig {
     private final Properties props;
 
     private final String merchantID;
+    private URI keyUri;
     private String keysDirectory;
     private String keyAlias;
     private String keyPassword;
@@ -73,6 +75,10 @@ public String getMerchantID() {
         return merchantID;
     }
 
+    public URI getKeyUri() {
+        return keyUri;
+    }
+
     public String getKeysDirectory() {
         return keysDirectory;
     }
@@ -231,6 +237,9 @@ public MerchantConfig(Properties _props, String _merchantID)
         sendToProduction = getBooleanProperty(merchantID, "sendToProduction", false);
         sendToAkamai = getBooleanProperty(merchantID, "sendToAkamai", false);
         targetAPIVersion = getProperty(merchantID, "targetAPIVersion");
+        if (props.containsKey("keyFileUri")) {
+            keyUri = (URI) props.get("keyFileUri");
+        }
         keyFilename = getProperty(merchantID, "keyFilename");
         serverURL = getProperty(merchantID, "serverURL");
         namespaceURI = getProperty(merchantID, "namespaceURI");
diff --git a/java/src/main/java/com/cybersource/ws/client/SignedAndEncryptedMessageHandler.java b/java/src/main/java/com/cybersource/ws/client/SignedAndEncryptedMessageHandler.java
index c7b1ed14..453ecd77 100644
--- a/java/src/main/java/com/cybersource/ws/client/SignedAndEncryptedMessageHandler.java
+++ b/java/src/main/java/com/cybersource/ws/client/SignedAndEncryptedMessageHandler.java
@@ -11,6 +11,7 @@
 
 import java.io.FileInputStream;
 import java.io.IOException;
+import java.net.URI;
 import java.security.KeyStore;
 import java.security.KeyStoreException;
 import java.security.NoSuchAlgorithmException;
@@ -96,7 +97,19 @@ private static void readAndStoreCertificateAndPrivateKey(
         }
 		
         try {
-            merchantKeyStore.load(new FileInputStream(merchantConfig.getKeyFile()), merchantConfig.getKeyPassword().toCharArray());
+            URI keyUri = merchantConfig.getKeyUri();
+            if (keyUri != null) {
+                if ("classpath".equalsIgnoreCase(keyUri.getScheme())) {
+                    merchantKeyStore.load(
+                            SignedAndEncryptedMessageHandler.class.getResourceAsStream(keyUri.getPath()),
+                            merchantConfig.getKeyPassword().toCharArray()
+                    );
+                } else {
+                    throw new IllegalArgumentException("Unsupported URI scheme for key file.");
+                }
+            } else {
+                merchantKeyStore.load(new FileInputStream(merchantConfig.getKeyFile()), merchantConfig.getKeyPassword().toCharArray());
+            }
         } catch (IOException e) {
             logger.log(Logger.LT_EXCEPTION, "Exception while loading KeyStore, '" + merchantConfig.getKeyFilename() + "'");
             throw new SignException(e);