Is this a consulting service?

No, this is a free, interactive software tool that calculates your potential liability under the DPDP Act 2023 in 30 seconds. It provides an instant risk score and automated action plan.

What are common DPDP violations in Digital Payments & UPI Platforms?

Common violations include: Storing **full card numbers** or **UPI VPA aliases** beyond the transaction settlement period, when tokenization or masking would suffice., Sharing customer transaction history and spending patterns with **third-party analytics vendors** for "insights" without clear, granular consent., Failing to adequately secure the **end-to-end payment processor chain**, making you liable for data breaches occurring with your downstream partners..

The DPDP Audit Tool

Compliance for Digital Payments & UPI Platforms

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Digital Payments & UPI Platforms
Liability Check

Handling UPI IDs, card numbers, and transaction histories makes your platform a critical data fiduciary. Be warned: DPDP penalties can reach ₹250 Crore for lapses.

Why Digital Payments & UPI Platforms is at Risk

Digital payment platforms, from **BharatPe** to **Razorpay**, process vast quantities of sensitive financial data daily. This includes **UPI IDs**, **bank account details**, **transaction histories**, and **device fingerprints** for fraud detection. Under DPDP, every payment identifier and associated transaction record is personal data. You are accountable for its entire lifecycle – from collection via your app to sharing with banks, payment processors, and fraud analytics engines. This chain of data sharing, often extending across multiple third parties, means heightened **due diligence** and clear **consent frameworks** are non-negotiable.

Common Violations

1.Storing **full card numbers** or **UPI VPA aliases** beyond the transaction settlement period, when tokenization or masking would suffice.
2.Sharing customer transaction history and spending patterns with **third-party analytics vendors** for "insights" without clear, granular consent.
3.Failing to adequately secure the **end-to-end payment processor chain**, making you liable for data breaches occurring with your downstream partners.

The Immediate Fix

Immediately map out your entire data flow for payment identifiers (UPI IDs, card numbers, account details). Identify every point where this data is collected, stored, processed, and shared. Ensure **Data Principal consent** is recorded for each specific purpose, especially when involving fraud checks or sharing with upstream/downstream payment processors like **NPCI** or acquiring banks.