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 UPI Transaction Data Audit?

Common violations include: Retaining **UPI transaction logs and reconciliation data** indefinitely, or longer than legally required for financial audits (violates data minimization and storage limitation principles)., Using a user's **VPA or transaction history** for unsolicited marketing or profiling without explicit, specific, and granular consent., Lacking a clear mapping of **UPI identifiers** across payment gateways, internal systems, and customer support databases, leading to inconsistent data handling and security gaps..

The DPDP Audit Tool

Compliance for UPI Transaction Data Audit

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UPI Transaction Data Audit
Liability Check

Every single UPI transaction involves personal data. From the payer's VPA to linked bank details, mismanaging this critical information can trigger severe DPDP violations, potentially leading to fines up to ₹250 Crore.

Why UPI Transaction Data Audit is at Risk

UPI transaction logs are a treasure trove of **Personal Data (PD)** and potentially **Sensitive Personal Data (SPD)**. This includes VPA, masked card details, transaction timestamps, and merchant IDs. Without a clear audit trail of data flows, processing purposes, and defined retention periods for each data point, your fintech app or merchant platform is a ticking time bomb. The DPDP Act mandates **accountability for the entire data processing lifecycle**. You need to map exactly where this data resides, who has access, and for what legitimate purpose, rather than just storing data because 'it's always been done that way'.

Common Violations

1.Retaining **UPI transaction logs and reconciliation data** indefinitely, or longer than legally required for financial audits (violates data minimization and storage limitation principles).
2.Using a user's **VPA or transaction history** for unsolicited marketing or profiling without explicit, specific, and granular consent.
3.Lacking a clear mapping of **UPI identifiers** across payment gateways, internal systems, and customer support databases, leading to inconsistent data handling and security gaps.

The Immediate Fix

Conduct an immediate data mapping exercise for all UPI-related data points. Identify where UPI VPA, transaction IDs, merchant details, and reconciliation data are stored, processed, and retained across all systems. Establish clear data retention policies based on specific business needs and legal mandates from RBI and DPDP.