RBI PA/PG Audit
Comprehensive cybersecurity and operational audits for Payment Aggregators (PA) and Payment Gateways (PG). Meet RBI licensing and filing standards.
RBI Guidelines for PA/PG Entities
Payment Aggregators (PAs) and Payment Gateways (PGs) facilitate merchant payments under central bank regulations. Because they handle card authentication details and route customer funds, the **Reserve Bank of India (RBI)** requires independent IT audits before granting operational licenses, and annual system reviews thereafter.
Our comprehensive RBI PA/PG Audit verifies transaction flow integrity, merchant onboarding controls, perimeter protection, network boundary isolation, and card tokenization systems. We resolve security vulnerabilities and provide empanelled compliance reports.
Why RBI PA/PG Audits?
Obtain & Maintain PA Licenses
Ensure continuous compliance to retain active licensing from the RBI and avoid business suspensions.
Secure Card-on-File Tokenization
Validate that card credential storage is replaced by cryptographically secure token frameworks.
Mitigate Merchant Fraud Risks
Ensure your onboarding screening controls identify high-risk or compromised merchants before integration.
Empanelled System Audit Filings
Receive the formal system audit certificate and SAR signed by empanelled auditors for RBI submission.
Audit Lifecycle
A structured, end-to-end framework to assess compliance against RBI Payment Aggregator guidelines.
Boundary & Interface Mapping
Defining all merchant portals, developer APIs, transaction checkout gates, and settlement databases in scope.
Merchant Onboarding Controls
Auditing merchant screening protocols, KYC verifications, risk profiling, and web security compliance.
Checkout & API Penetration Testing
Rigorous testing (VAPT) on e-commerce plugins, merchant APIs, customer transaction checkpoints, and card tokens.
Regulatory Report & Sign-off
Compiling gaps, validating remediation of issues, and signing the System Audit Report required for RBI filing.
Ensure Complete
RBI PA/PG Compliance
Protect transaction pipelines and merchant onboarding channels. Schedule audits with our CERT-In empanelled auditing experts.