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Retail Payments | NPCI Guidelines

NPCI UPI Audit

Technical security auditing and compliance certification for UPI application interfaces, merchant gateways, and payment service provider integrations.

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NPCI UPI Integration Security

The **National Payments Corporation of India (NPCI)** mandates structured information security audits for all companies linking into the Unified Payments Interface (UPI) system. Whether you operate a Third Party Application Provider (TPAP) app, a merchant gateway, or bank integration scripts, compliance is essential.

Our comprehensive NPCI UPI Audit tests mobile application code logic, API endpoints, transport security parameters, disaster-recovery speed, and SIM binding policies to safeguard payment operations.

NPCI UPI Application Security & Operational Guidelines
Mandatory Device Fingerprinting & SIM Binding Verification
Cryptographic Encryption on Transaction Payloads
Comprehensive API Gateway Threat Defenses
Database Separation & Client Tokenization Compliance
Audit Log Integrity & Centralized SIEM Monitoring

Why NPCI UPI Audits?

Avoid Payment Fraud Risks

Scan mobile application logic and network ports to stop code modifications, balance spoofing, and transaction replays.

Enforce Rigid Encryption

Verify TLS configurations, API parameters, and encryption safeguards securing PIN tokens in transit.

Avoid Onboarding Rejections

Ensure your payment flow gets approved by NPCI and sponsor banks, preventing integration holds.

CERT-In Empanelled Validation

Receive the official, independent system audit report required annually by NPCI and integration partners.

Audit Lifecycle

A structured, end-to-end framework to assess compliance against NPCI UPI security directives.

Payment Flow Mapping

Tracing payment steps from client devices through API endpoints, core database systems, and NPCI network routers.

UPI App VAPT

Thorough vulnerability testing on mobile and web client interfaces, checking device binding policies and credential leaks.

API & Data Encryption

Evaluating payload validation scripts, SSL certificate pinning controls, and encryption methods for sensitive PIN tokens.

NPCI Audit Submission

Drafting the empanelled system audit report documenting control alignments and issue remediation for official filing.

Sponsor Bank Onboarding Ready

Satisfy Your Annual NPCI UPI Compliance Mandate

Secure your instant payment gateways and satisfy audit requirements. Schedule audits with our CERT-In empanelled auditing experts.

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