Who Requires an NPCI Audit?
NPCI audit expectations depend on your role in UPI and other NPCI-operated payment systems.
Third-Party Application Providers (TPAPs)
Payment Service Provider (PSP) Banks
Remitter & Beneficiary Banks
Fintechs Partnering with PSP Banks
Merchants with UPI Integrations
Participants Onboarding to NPCI Systems
Our NPCI Audit Approach
A structured audit of your UPI applications, infrastructure and operations against NPCI guidelines.
Deliverables You Can Expect
Audit outputs for your compliance team, partner banks and NPCI.
NPCI Audit Report
Findings mapped to applicable NPCI guidelines
Application & Infrastructure Findings
Tested vulnerabilities rated by severity with evidence
Executive Summary
Clear posture view for leadership and partner banks
Benefits of NPCI Audits
Partner Bank Confidence
Independent evidence for PSP banks
Enhanced App Security
App and API weaknesses found and prioritized
Reduced Fraud Exposure
Control gaps in payment flows made visible
Onboarding Readiness
Controls checked before go-live
Stronger Governance
Board-ready reporting mapped to guidelines
Customer Trust
Independent evidence of secure payments
Why Payment Organizations Choose QRC
Payment-focused expertise. Application security depth. Actionable, audit-ready outcomes.
Audits aligned to NPCI guidelines and related RBI payment requirements.
Combined review of governance, security controls, infrastructure and operational practices.
QRC Assurance and Solutions is listed by CERT-In as an empanelled information security auditing organization.
Experience across RBI PSS, data localization, PCI DSS and ISO 27001.
Supporting Services
Services that complement your NPCI audit across application testing and payment compliance.
RBI Data Localization Audit (SAR)
System Audit Report on storage of payment data in India.
Learn More
RBI Payment and Settlement Systems Assessment
Broader assessment against RBI payment system requirements.
Learn More
Real-World NPCI Audit Outcomes
How UPI participants have used QRC audits to strengthen security and partner bank confidence.
NPCI Audit Resource Center
Practical resources to help UPI participants understand NPCI security expectations.
RBI issues new norms for digital payments
With rising cases of cyber fraud RBI published a Master Direction providing necessary guidelines.
Frequently Asked Questions
It is a security and compliance audit of a participant in an NPCI-operated payment system, such as UPI, against the NPCI guidelines that apply to its role.
Typically UPI participants such as TPAPs and PSP banks, and entities onboarding to NPCI systems. Requirements vary by role and are confirmed during scoping.
This service focuses on UPI. Other NPCI systems are assessed on request, subject to scoping.
Application and API security, infrastructure, data storage and access, fraud monitoring and incident response, mapped to applicable guidelines.
Payment data storage in India is covered by RBI's separate directive. QRC can combine it with an RBI data localization audit.
Timing depends on the entities, systems and locations in scope and how readily evidence is available. QRC confirms a realistic timeline after the scoping call.
Ready to Strengthen Your UPI Security Posture?
Define your scope, identify priority gaps and prepare for NPCI and partner bank review.