NPCI Compliance — UPI, BBPS, RuPay Audit Services
Security Brigade provides NPCI compliance audit services as a CERT-In empanelled firm since 2008. Comprehensive security assessments for PSPs, TPAPs, and payment ecosystem participants.
Trusted by India's leading enterprises
What is NPCI Compliance?
NPCI compliance refers to the mandatory security audit requirements established by the National Payments Corporation of India for all entities participating in the NPCI payment ecosystem. Covering UPI, BBPS, RuPay, IMPS, and NACH payment systems, these audits validate that payment system providers (PSPs), third-party application providers (TPAPs), and member banks meet the security controls, data localisation mandates, and API security…
Who Needs NPCI Compliance?
Entities in the payment ecosystem that must undergo annual NPCI-mandated security audits
Payment Service Providers (PSPs)
Entities operating UPI payment systems and handling transaction processing on the NPCI network. PSPs must demonstrate end-to-end security of the payment switching, routing, and reconciliation infrastructure.
Third-Party Application Providers (TPAPs)
Fintech apps and platforms integrated with NPCI UPI through sponsor banks, including Google Pay, PhonePe, and similar providers. TPAP audits cover application security, API integrity, and data localisation for UPI transaction data.
BBPS Operating Units
Bharat Bill Payment System participants — biller operating units and agent institutions that process recurring payments, utility bills, and subscription collections through the NPCI BBPS platform.
RuPay Issuers and Acquirers
Banks and financial institutions issuing or acquiring RuPay card transactions. Audits cover card data security, payment gateway infrastructure, and compliance with RuPay security specifications.
Banks & Financial Institutions
Scheduled commercial banks, cooperative banks, and financial institutions offering NPCI payment products — UPI, IMPS, NACH — to retail and corporate customers.
Fintech & Payment Aggregators
Digital lending, wealth management, and payment platforms handling UPI collections and disbursements through sponsor bank partnerships. Includes payment aggregators operating under RBI PA guidelines that also process NPCI transactions.
"We swap auditors every two years as policy. Security Brigade is the only firm we've kept continuously since 2016. The difference is Lemon — every engagement follows the same methodology, every finding gets three-layer review, and our RBI auditors have never questioned a report. That kind of consistency across 300+ annual assessments is rare."
The Platform
Powered by Lemon
Most firms rely on individual tester skill. We built a platform that makes quality structural — informed by 6,700+ previous assessments.
Intelligent Orchestration
Auto-fingerprints your app, selects methodology, generates structured tasks from 6,700+ past engagements.
AI Coverage Validation
Cross-references auditor findings, spider results, JS analysis, route files, and server logs. Flags what was missed.
L1 → L2 → L3 Review
Three-layer expert review before any finding reaches your report. Every vulnerability validated, every gap caught.
Deliverables
What you get
Reports for two audiences — executives who need the risk picture, and developers who need to fix the issues. With code-level guidance, not vague advice.
NPCI Compliance Audit Report
Full audit report with evidence-backed findings, severity classification, and remediation tracking aligned to the latest NPCI security checklist and guidelines for your participant category.
Technical Vulnerability Assessment
SAST/DAST findings with code-level fix guidance, API security review results, infrastructure hardening gaps, and mobile app security assessment for UPI applications.
Data Localisation Compliance Verdict
Assessment of payment data storage, processing, and transit against NPCI data localisation mandates with documented evidence of server residency within India.
Compliance Certification Package
Auditor attestation letter, evidence annexure for each control domain, and compliance certificate suitable for NPCI and sponsor bank submission.
Remediation & Closure Support
Retesting cycles for identified findings, walkthrough sessions with your engineering and DevOps teams, and final closure report confirming resolution of all audit findings.
Who needs NPCI compliance?
How often is an NPCI compliance audit required?
Can the same audit satisfy RBI and NPCI requirements?
What happens if we fail the NPCI audit?
Does NPCI compliance cover BBPS and RuPay separately?
What certifications do NPCI auditors need?
Start Your NPCI Compliance Assessment
One scoping call to align on audit scope, NPCI checklist coverage, and sponsor bank requirements.
Typically responds within 1 business day · No commitment required