RBI Payment Aggregators and Gateway Compliance Audit.
Secure your payment aggregator license. We provide CERT-In empanelled VAPT audits, Card-on-File Tokenization (CoFT) checks, Escrow validations, and compliance dossiers.
Why RBI PA-PG Compliance Audit matters
The Reserve Bank of India mandates rigorous technical security standards for Payment Aggregators (PAs) and Payment Gateways (PGs) to safeguard consumer transaction environments. Annual System Audits by CERT-In empanelled auditors are required.
- Complies with RBI Guidelines on Regulation of Payment Aggregators (PAs) and Payment Gateways (PGs)
- Core compliance audit required for payment aggregators to obtain/maintain license
- Prevents unauthorized card credentials storage and enforces Card-on-File Tokenization (CoFT)
- Delivers CERT-In empanelled VAPT and technical infrastructure audits
Core Principles
What you receive
Comprehensive compliance framework
We deliver end-to-end processing VAPT, Tokenization checks, Escrow audit trails, and completed documentation folders for RBI PA-PG filings.
Merchant & API VAPT Report
Vulnerability assessment and penetration testing on processing engines and merchant APIs with empanelled CERT-In signoff.
- Checkout Portal & API VAPT
- Merchant Integration Security Reviews
- Empanelled CERT-In Auditor Certification
Card Data & Tokenization Audit
Audit of Card-on-File Tokenization (CoFT) compliance, PCI-DSS scope validation, and key encryption safety.
- Card-on-File Tokenization Compliance
- PCI-DSS Scope & Storage Validation
- Cryptographic Encryption Key Rotation Checks
IS Policy & BCP Manual
Tailored information security manuals for high-volume transactions, incident response, and third-party risk guidelines.
- Tailored PA-PG Information Security Framework
- DR Failover Runbooks & BCP Testing Logs
- Merchant Risk & Grievance Procedures
RBI Compliance Dossier
Completed compliance matrices and empanelled auditor files formatted for direct RBI submission.
- RBI Prescribed PA-PG Compliance Matrix
- Escrow Audit Trail Validation Logs
- Empanelled Auditor Signed Certificates Pack
Audit Process
How RBI PA-PG audit works
Our payment gateway auditing and tokenization verification align your transaction pipelines with the RBI PA-PG directives.
Step 1
Gap Assessment & Scoping against RBI PA-PG directions
Step 2
Merchant onboarding and Escrow account mechanism review
Step 3
Penetration testing (VAPT) on API gateways and checkout portals
Step 4
Policy tailoring, tokenization check, and operational control implementation
Step 5
BCP/DR failover audit and ledger safety checks
Step 6
Submission of finalized CERT-In empanelled audit report to RBI
Get Started
Ready for RBI PA-PG platform compliance?
Connect with our CERT-In payment auditing specialists today to review your e-commerce checkouts, API networks, and escrow systems.