ISECURION offers comprehensive CERT-In Audit for UPI Information Security Compliance - helping banks, fintech companies, PSPs, and payment platforms meet CERT-In guidelines, RBI regulations, and NPCI security standards. Our audit framework evaluates your UPI applications, APIs, infrastructure, transaction systems, and data protection mechanisms for security, compliance, and cyber resilience.
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India's UPI ecosystem processes billions of transactions annually, making it one of the world's largest real-time payment networks. With this scale comes significant cyber risk - UPI platforms are prime targets for phishing, account takeover, API abuse, transaction manipulation, and data breaches. Ensuring robust information security, regulatory compliance, and cyber resilience is no longer optional - it is mandatory.
ISECURION's CERT-In Audit for UPI Information Security Compliance is designed to help banks, fintech companies, and payment service providers meet CERT-In guidelines, RBI regulations, and NPCI security standards. Our comprehensive audit framework evaluates your UPI applications, APIs, infrastructure, transaction systems, and data protection mechanisms to ensure they are secure, compliant, and resilient.
As a CERT-In empanelled and ISO 27001:2022 certified organization, ISECURION brings deep expertise in digital payment security - combining governance, risk and compliance review with hands-on offensive security testing for a complete compliance picture.
CERT-In cybersecurity directives along with RBI and NPCI requirements are mandatory for organizations involved in UPI transactions. Non-compliance can lead to penalties, audits, or operational restrictions.
UPI platforms are prime targets for phishing, account takeover, and transaction manipulation attacks. A CERT-In audit identifies vulnerabilities before attackers exploit them.
UPI systems process highly sensitive customer financial and personal data. Strong encryption, access control, and monitoring are essential for compliance.
Security incidents can disrupt payment operations and damage brand reputation. A compliant and secure system builds trust among customers, partners, and regulators.
CERT-In mandates timely incident reporting. Our audit ensures your organization is fully prepared with incident response, logging, and monitoring capabilities.
ISECURION supports a wide range of stakeholders across the UPI ecosystem - from large banks to emerging fintech startups
Public, private, and cooperative banks operating UPI infrastructure, VPA management, and payment settlement systems.
Organizations providing UPI payment services, VPA issuance, and transaction routing across India's payment network.
Emerging fintech companies building UPI-based payment products, consumer apps, and B2B payment solutions.
NPCI-approved TPAPs like PhonePe, Google Pay style platforms integrating with UPI infrastructure and PSP backends.
RBI-licensed payment aggregators and gateways providing UPI collection and disbursement services to merchants.
Digital wallet operators, neo-banking platforms, and technology API providers supporting UPI integrations and payment flows.
Whether you are launching a new UPI platform or scaling an existing one, our audit services are tailored to your architecture, risk profile, and regulatory obligations.
Discuss Your UPI Audit RequirementEnd-to-end security and compliance coverage across all critical UPI domains - aligned with CERT-In, RBI, and NPCI requirements
Mapping CERT-In, RBI, and NPCI requirements to your environment. Review of security policies, SOPs, and governance frameworks. Risk assessment and compliance gap identification.
Mobile application security testing for Android & iOS UPI apps. Web application security assessment. Secure coding practices, OWASP Top 10 validation, reverse engineering, and runtime security testing.
UPI API security testing covering authentication, authorization, and data validation. Secure communication validation (TLS, certificates). Third-party integration risk assessment for NPCI and banking APIs.
Server, database, and network configuration review. Firewall, IDS/IPS, and endpoint protection validation. Cloud security assessment (AWS, Azure, GCP). Patch management and vulnerability scanning.
Encryption controls for data at rest and in transit. Key management practices including HSM and KMS evaluation. Data masking, tokenization, and privacy controls for UPI customer data.
Role-based access control (RBAC) validation. Privileged access monitoring. Multi-factor authentication (MFA) implementation review. Session management and authentication security for UPI admin systems.
Transaction validation mechanism review. Fraud detection and anomaly monitoring assessment. Anti-phishing and anti-tampering controls evaluation. Secure payment workflow testing for UPI flows.
SIEM integration and log correlation review. Incident detection and alerting mechanism assessment. CERT-In incident reporting readiness validation. Incident response plan review and tabletop assessment.
Cloud environment security assessment for AWS, Azure, and GCP hosting UPI workloads. Third-party vendor security review. Assessment of technology service providers and outsourced components in UPI stack.
A structured, audit-ready methodology aligned with CERT-In and industry best practices - delivering compliance you can submit and security you can rely on
We align your UPI system architecture with CERT-In, RBI, and NPCI security requirements. We define the audit scope based on your platform type - whether you are a bank, TPAP, PSP, or payment aggregator - and establish the evidence collection plan and timeline.
We conduct a detailed evaluation to identify security gaps, misconfigurations, and compliance deficiencies across your UPI applications, APIs, infrastructure, and governance practices - giving you time to remediate before the formal compliance report is issued.
Our experts perform comprehensive Vulnerability Assessment & Penetration Testing (VAPT) across UPI mobile applications (Android & iOS), web applications, APIs, and infrastructure. We include reverse engineering, runtime analysis, and API abuse testing specific to UPI payment flows.
All findings are categorized based on severity, exploitability, and business impact. Critical issues affecting transaction integrity or customer data are flagged for immediate remediation, enabling focused and efficient risk closure.
We provide actionable, step-by-step recommendations to address vulnerabilities and achieve compliance. Our team works alongside your developers and IT teams to explain findings and accelerate remediation before the audit deadline.
Post-remediation, we re-test systems to ensure complete closure of identified risks and compliance alignment. A re-validation report confirms all critical issues have been addressed, enabling a clean final audit submission.
Comprehensive, regulator-ready documentation - everything your organization needs for CERT-In compliance submission and internal governance
Comprehensive audit findings mapped to CERT-In, RBI, and NPCI requirements - with risk ratings and control effectiveness assessment formatted for regulatory submission.
Prioritized identification of compliance gaps across your UPI platform with risk scoring and business impact assessment to guide remediation sequencing.
Technical vulnerability assessment and penetration testing report with proof-of-concept evidence for each identified vulnerability across applications, APIs, and infrastructure.
Actionable, step-by-step remediation guidance with timelines and ownership mapping - enabling your team to close gaps efficiently before compliance deadlines.
Detailed compliance checklist mapped to CERT-In directives, RBI payment security guidelines, and NPCI security standards - showing pass/fail status for each control.
CXO-level executive summary for board and regulatory submission, plus a post-remediation re-validation report confirming closure of all critical and high-severity findings.
Comprehensive security improvements across all critical components of your UPI platform
Secure UPI Application Architecture
Secure coding, encryption, and runtime protection for Android & iOS UPI apps
API & Backend Security
Identify vulnerabilities in UPI APIs that could lead to data leakage or transaction manipulation
Fraud Detection & Prevention
Strengthen ability to detect and prevent real-time fraud, phishing, and account takeover
Identity & Access Controls
Enforce robust IAM practices to prevent privilege misuse and unauthorized access
Data Security & Encryption
End-to-end protection of sensitive financial data aligned with RBI and CERT-In standards
Incident Detection & Response
Enhanced monitoring, alerting, and incident response capabilities to meet CERT-In mandates
Infrastructure Hardening
Secure servers, networks, and cloud environments against known and emerging threats
Cloud Security Assessment
Security assessment for UPI workloads on AWS, Azure, GCP, and hybrid cloud environments
Banks, fintech companies, and payment platforms across India trust ISECURION for UPI security and compliance
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Common questions from banks, fintech companies, and payment platforms about CERT-In UPI compliance audits
Partner with ISECURION - CERT-In empanelled, ISO 27001:2022 certified - for a UPI compliance audit that is comprehensive, regulator-ready, and genuinely security-improving.
Serving banks, fintech companies, PSPs, TPAPs, payment aggregators, and wallet providers across India.