Who Requires RBI PSS Assessments?
RBI PSS compliance obligations are determined by entity type, license category, and the payment services you operate.
Banks & Regulated Financial Institutions
Payment Aggregators & Gateways
PPI & Wallet Issuers
UPI Ecosystem Participants
Fintechs & Digital Payment Providers
Organizations Preparing for Regulatory or IS Audits
Our RBI PSS Compliance Assessment Approach
A structured, regulation-mapped assessment covering scope, security controls, risk, and regulatory readiness.
Deliverables You Can Expect
Regulation-specific outputs for your compliance team, internal audit function, and RBI inspection file.
RBI PSS Compliance Assessment Report
Structured compliance posture review against applicable RBI payment frameworks
Regulatory Gap Assessment
Gap analysis against PA Guidelines 2021, PPI Master Directions, and RBI circulars
Executive Compliance Summary
Board-level regulatory compliance posture overview for audit committees
Benefits of RBI PSS Compliance Assessments
Improved Regulatory Readiness
Close compliance gaps before RBI inspections surface them
Enhanced Payment Security
Transaction security and fraud control weaknesses identified and prioritized
Reduced Operational & Regulatory Risk
Non-compliance consequences avoided through proactive gap identification
Stronger Governance & Audit Readiness
Board-ready compliance reporting with regulatory reference mapping
IS Audit Preparation
Evidence gaps and control status documented before mandatory IS Audit
Customer & Partner Trust
Independent compliance evidence for enterprise and banking partnerships
Why Payment Organizations Choose QRC
RBI-focused expertise. Payment-sector experience. Actionable, audit-ready outcomes.
Assessments aligned to applicable RBI directions, circulars, and payment security requirements.
Combined review of regulatory governance, security controls, infrastructure, and payment environments.
Experience across RBI PSS, PCI DSS, ISO 27001, DPDP, and related security requirements.
Experience across banks, payment aggregators, PPI issuers, UPI participants, NBFCs, and fintechs.
Supporting Services
Services that complement your RBI PSS assessment across security testing, IS Audit preparation, and ongoing compliance.
Payment Infrastructure Security Review
Dedicated assessment of payment network architecture and system hardening
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VAPT for Payment Ecosystems
Penetration testing for payment applications, APIs, and transaction interfaces
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RBI Cybersecurity Gap Assessment
Targeted gap assessment against RBI Cyber Security Framework for Banks
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Data Localization Audit
RBI data storage and localization compliance for payment transaction data
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Third-Party Risk Assessment
Vendor governance and outsourced payment operation control evaluation
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Virtual CISO (vCISO)
Strategic leadership to act on compliance findings at a program level
Learn MoreReal-World RBI PSS Compliance Outcomes
How payment organizations have used QRC to close regulatory gaps and pass IS Audits.
RBI Compliance Resource Center
Practical guides and resources to help payment organizations understand RBI obligations and prepare for IS Audits.
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Frequently Asked Questions
RBI PSS Compliance refers to adherence with the Reserve Bank of India's regulatory, cybersecurity, and governance requirements for payment system operators under the PSS Act 2007. It covers payment aggregators, PPI issuers, banks, fintechs, and UPI participants.
Any entity regulated by RBI for payment operations - including banks, payment aggregators, PPI issuers, wallet providers, UPI participants, and NBFCs with digital payment operations. The applicable framework depends on entity type and license category.
IS Audit is mandated for payment system operators under PA Guidelines 2021 and the RBI Cyber Security Framework for Banks. It must be conducted by a CERT-In empanelled or RBI-approved auditor - QRC is CERT-In empanelled.
CSITE is the RBI's structured cybersecurity examination framework used during onsite inspections of banks and large payment system operators. It covers 9 control domains and is conducted by RBI inspectors, not external auditors.
QRC's assessments are designed for the Indian payment regulatory landscape — every finding is mapped to a specific RBI circular provision or framework clause. Deliverables are structured for IS Audit submission and RBI inspection review.
Yes. QRC conducts targeted compliance remediation assessments — reviewing specific RBI findings, validating remediation actions, and producing documentation suitable for response to the RBI.
Ready to Strengthen Your RBI Payment Compliance Posture?
Define your scope, identify priority gaps, and prepare for RBI-aligned assessment.