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 Payment Gateway Processor Audit?

Common violations include: Using transaction data (e.g., purchase history, average spend) for marketing without separate, explicit consent from the user., Storing full card numbers or sensitive payment details longer than strictly necessary for fraud prevention or chargebacks., Sharing anonymized transaction data with third parties where re-identification is possible, or without proper data sharing agreements that comply with DPDP..

The DPDP Audit Tool

Compliance for Payment Gateway Processor Audit

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Payment Gateway Processor Audit
Liability Check

Your payment gateway handles sensitive financial data like card numbers, UPI IDs, and transaction histories. Under the DPDP Act, unauthorized processing or breaches of this data can trigger penalties up to ₹250 Crore.

Why Payment Gateway Processor Audit is at Risk

Your payment gateway is a goldmine of **Personal Data**. While processing payments is a 'legitimate use' under DPDP, using transaction data for optional analytics, targeted ads, or cross-selling without explicit, purpose-specific consent is a massive red flag. Think about the rich data generated from every UPI transaction, RuPay card swipe, or e-commerce purchase on platforms like Flipkart or Myntra. Sharing this **financial Personal Data** with marketing teams or third-party data aggregators without the data principal's clear consent can easily lead to a significant **data breach liability** and hefty fines. Simply having a payment processor handle the transaction is one thing; leveraging that data beyond the *strict necessity* for the transaction itself is where most companies trip up.

Common Violations

1.Using transaction data (e.g., purchase history, average spend) for marketing without separate, explicit consent from the user.
2.Storing full card numbers or sensitive payment details longer than strictly necessary for fraud prevention or chargebacks.
3.Sharing anonymized transaction data with third parties where re-identification is possible, or without proper data sharing agreements that comply with DPDP.

The Immediate Fix

Conduct a thorough data mapping exercise for all payment gateway data. Identify exactly what data is collected, its legal basis (legitimate use for transaction vs. consent for analytics), where it's stored, and who has access. Immediately segregate data used for transaction processing from data used for optional analytics and ensure a robust consent mechanism is in place for the latter.