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 Failed Payment Retry Audit?

Common violations include: Storing Card-on-File (CoF) or other payment details beyond a single transaction without explicit, purpose-specific consent for future retries., Implementing aggressive, indefinite retry loops that re-process payment data without a clear, communicated policy or fresh consent from the **Data Principal**., Sending automated payment retry reminders via SMS/email without providing an easy, prominent opt-out mechanism, violating communication preferences..

The DPDP Audit Tool

Compliance for Failed Payment Retry Audit

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Failed Payment Retry Audit
Liability Check

Your automated payment retry systems handle sensitive personal financial data. Under DPDP, processing this data without explicit, granular consent or for purposes beyond what was agreed upon can lead to massive penalties, making failed payments even more costly.

Why Failed Payment Retry Audit is at Risk

Even for essential operations like recovering revenue from failed transactions, **DPDP mandates explicit consent** for processing **personal financial data** such as card numbers, UPI IDs, or bank account details. Retaining 'Card-on-File' (CoF) or other sensitive data for multiple retry attempts without purpose-specific consent is a direct violation. Furthermore, your retry communications (SMS, email from Razorpay/Stripe dunning) must offer clear opt-out mechanisms, respecting the **Data Principal's** preferences and minimizing data retention to only what is strictly necessary for the consented purpose.

Common Violations

1.Storing Card-on-File (CoF) or other payment details beyond a single transaction without explicit, purpose-specific consent for future retries.
2.Implementing aggressive, indefinite retry loops that re-process payment data without a clear, communicated policy or fresh consent from the **Data Principal**.
3.Sending automated payment retry reminders via SMS/email without providing an easy, prominent opt-out mechanism, violating communication preferences.

The Immediate Fix

Audit your entire payment retry workflow: map every instance where personal financial data is collected, stored, and processed. Ensure your consent flows explicitly cover data retention for retries, and that all retry communications include a clear opt-out. Review agreements with third-party payment gateways and dunning tools like Chargebee or Recurly to ensure they are DPDP-compliant.