As digital payments continue to grow acrossIndia’s fintech landscape, data security and privacy governance have become mission-critical imperatives. To maintain customer trust and meet evolving regulatory expectations, fintechs and payment intermediaries must adopt advanced security controls aligned with the DPDP Act, 2023 and the upcoming DPDP Rules, 2025. Invield delivers a comprehensive security framework tailored to these requirements, ensuring your organisation stays ahead of compliance mandates whilst building lasting customer confidence.
The Regulatory Landscape: DPDP Act & Emerging Compliance Challenges
Current Environment
India’s digital payments sector is experiencing unprecedented growth, processing billions of transactions monthly through UPI, wallets, and card networks. This expansion has brought heightened regulatory scrutiny, with the DPDP Act, 2023 establishing comprehensive data protection obligations. Fintech’s now face complex requirements around data principal rights, consent management, cross-border data flows, and breach reporting—all whilst maintaining seamless payment experiences.
What’s Coming in 2025
The draft DPDP Rules, 2025 will introduce specific operational requirements including stringent data retention timelines, detailed breach notification protocols, and enhanced grievance redressal mechanisms. Payment intermediaries must prepare now to avoid compliance gaps that could result in significant penalties, operational disruptions, and reputational damage in an increasingly competitive market.
Data Protection & Privacy Governance Framework
Invield helps organisations design and operationalise a robust privacy governance model that goes beyond mere compliance—creating a sustainable foundation for secure digital payment operations.
- Data Classification & Handling:- Establish comprehensive data classification policies aligned with DPDP requirements, categorising sensitive payment data, personal identifiable information, and financial records with appropriate security controls for each tier.
- Privacy-by-Design Integration:- Implement privacy-by-design principles across all digital payment workflows, embedding data protection considerations from the earliest stages of product development through to deployment and ongoing operations.
- Data Processing Registers:- Create detailed Data Processing Registers and Consent Management structures compliant with DPDP norms, providing complete visibility into how customer data flows through your payment ecosystem.
- Privacy Impact Assessments:- Conduct comprehensive Privacy Impact Assessments (PIA) for data-intensive fintech products, identifying potential privacy risks before they become compliance issues or customer trust concerns.
Compliance Readiness for DPDP Act, 2023 & DPDP Rules, 2025
Invield ensures fintech’s are fully prepared for regulatory compliance through systematic gap analysis, proactive rule preparedness, and implementation of audit-ready documentation frameworks. Our approach transforms compliance from a burden into a competitive advantage.
- Gap Assessment:- Comprehensive evaluation of current practices against DPDP Act provisions, identifying specific areas requiring enhancement.
- Draft Rules 2025 Preparedness:- Proactive implementation of anticipated requirements including data retention rules, data principal rights processes, and breach reporting timelines.
- Grievance Redressal Mechanisms:- Establishment of compliant grievance handling systems that meet regulatory expectations whilst maintaining customer satisfaction.
- Audit-Ready Documentation:- Creation of comprehensive documentation, incident response plans, and data-sharing controls that withstand regulatory scrutiny.
Advanced Security Controls for Payment Systems
Bitxia Tech Cyber Security tool “Invield” safeguards digital payment infrastructure with industry-leading security capabilities that protect against evolving threats whilst ensuring seamless transaction processing. Our multi-layered approach addresses every vulnerability point in the payment chain.
1. Application & API Security
- Continuous API scanning to secure UPI, wallet, and card payment integrations.
- Reviewing the Source-code for identifying vulnerabilities before deployment.
- Secure DevSecOps pipelines integrating security throughout development.
- Penetration testing of payment gateways and transaction endpoints.
2. Real-Time Threat Monitoring
- 24×7 SOC monitoring with threat intelligence tailored to fintech.
- Detection of fraud patterns and unauthorized access attempts.
- Monitoring of abnormal payment flows and transaction anomalies.
- Automated incident escalation and response protocols.
3. Encryption & Tokenization
- End-to-end data encryption for sensitive payment data in transit and at rest.
- Tokenization-based protection replacing sensitive customer identifiers.
- Key management systems meeting industry security standards.
4. Identity & Access Security
- Multi-factor authentication for all system access points.
- Privileged access controls limiting administrative capabilities.
- Behavioral analysis detecting unusual user patterns.
- Zero-trust architecture implementation eliminating implicit trust.
Fraud Prevention and Transaction Risk Monitoring
Invield adds a critical layer of protection by offering sophisticated fraud detection capabilities that leverage artificial intelligence and machine learning to identify threats before they impact your customers or your business.
Advanced Detection Capabilities
- AI-Driven Anomaly Detection: Machine learning models continuously analyze transaction patterns, identifying deviations that may indicate fraudulent activity across UPI, card, and wallet payments.
- Synthetic Identity Protection: Advanced algorithms detect synthetic identities created by combining real and fabricated information, preventing account opening fraud.
- Merchant Fraud Monitoring: Continuous surveillance of merchant behavior patterns, identifying suspicious activities such as collusion, chargeback fraud, or unauthorized payment processing.
- Account Takeover Prevention: Behavioral biometrics and device fingerprinting detect when legitimate accounts are being accessed by unauthorized parties.
- AML & KYC Integration: Seamless integration with anti-money laundering and know-your-customer systems, creating a comprehensive fraud control framework that meets regulatory requirements.
Secure Cloud & Infrastructure Design
For fintech’s using cloud-native platforms, Invield provides comprehensive infrastructure security that balances robust protection with the agility and scalability advantages of cloud computing. Our expertise spans all major cloud providers and emerging hybrid architectures.
Cloud Compliance Hardening
Security configuration and hardening across AWS, Azure, and GCP platforms, ensuring alignment with CIS benchmarks, PCI DSS requirements, and DPDP Act mandates for cloud-based payment processing.
Network Segmentation
Strategic network architecture including firewall policies, secure VPC designs, and micro-segmentation that isolates payment processing environments from less sensitive systems.
Continuous Posture Assessment
- Ongoing security posture evaluations identifying configuration drift, misconfigurations, and emerging vulnerabilities before they can be exploited by malicious actors.
- Incident Response & Breach Management
- Invield helps organisations meet strict DPDP breach reporting expectations through a structured incident response framework that minimises damage, ensures regulatory compliance, and facilitates rapid recovery from security events.
Regulatory Notification
Notification workflows aligned with DPDP Act timelines, ensuring Data Protection Board and affected data principals receive required information within mandated timeframes.
The Invield Advantage: Measurable Security Outcomes
Our comprehensive approach delivers tangible results that strengthen your security posture whilst supporting business growth. These metrics demonstrate the real-world impact of partnering with Invield.
- Reduction in Security Incidents
- Average decrease in security events within first year of implementation across fintech clients
- Compliance Audit Success
- Client pass rate on regulatory audits and third-party security assessments
- Threat Detection Speed
- Average time to detect and contain security threats using our monitoring systems
- Breach Reporting Compliance
- On-time regulatory breach notifications meeting DPDP Act timeline requirements
- Industry Recognition
Invield’s fintech security framework has been recognized by leading industry bodies and has helped payment intermediaries across India achieve and maintain compliance whilst scaling their operations securely.