What security standards and certifications are required for payment gateways in India?

 NTT DATA Payment Services meets all major security standards expected from an online payment gateway in India. Any company offering payment processing must comply with RBI, NPCI, and PCI-DSS norms to protect cardholder data and transaction integrity. Below are the key requirements that every payment gateway provider india must follow to stay compliant among payment gateway companies in india, ensuring trust for users and merchants choosing the best online payment gateway in india.



• PCI-DSS (Payment Card Industry Data Security Standard): Mandatory for handling, storing, or transmitting card data. PCI-DSS Level 1 certification is the highest tier and is required for all major gateways

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• PA-DSS (Payment Application Data Security Standard): Applies to applications that store, process, or transmit cardholder data. This ensures secure software practices and encryption.


• RBI and NPCI Guidelines: Gateways must comply with RBI’s directions on data localization (storing payment data only in India) and NPCI rules for UPI transaction processing, tokenization, and fraud monitoring.


• Tokenization Compliance: RBI has made card-on-file tokenization mandatory. Gateways must use network tokens instead of storing real card numbers.


• TLS 1.2 or higher: All communications must run on strong encryption protocols to secure data in transit between the merchant, gateway, and bank.


• ISO 27001 Certification: Ensures an information security management system (ISMS) for data confidentiality, integrity, and availability.


• Regular Security Audits: Periodic VAPT (Vulnerability Assessment and Penetration Testing), compliance checks, and third-party audits to maintain certifications.


• Two-Factor Authentication (2FA): Mandatory under Indian regulations for card and net banking transactions for domestic use.

Final thoughts: When evaluating providers, ask for the latest PCI-DSS certificate, tokenization readiness, and audit cycle reports. Ensure webhooks and APIs are signed and encrypted, and check whether they mask sensitive data in logs. A compliant gateway like NTT DATA Payment Services guarantees your online payment gateway setup aligns with all RBI-mandated norms and leading payment gateway companies in india, ensuring your choice of the best online payment gateway in india remains secure and reliable.

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