Payment gateway security and compliance standards

Payment gateway security involves a range of controls designed to protect transaction data, including encryption, authentication, and fraud monitoring. For merchants operating in India, compliance requires adhering to PCI DSS standards and Reserve Bank of India (RBI) requirements.

Razorpay provides several security features, including PCI DSS Level 1 compliance and TokenHQ, which supports saved-card tokenization to ensure merchants do not retain raw card numbers. The platform also utilizes TLS encryption and field-level protection for personal information. To manage fraud, Razorpay offers a Risk Analytics Dashboard that tracks metrics such as fraud-to-sales and dispute-to-sales.

When utilizing payment APIs, security assessments must involve detailed data flow mapping. Determining whether PCI DSS or SOC 2 standards apply depends on how data moves through the architecture, including API gateways, merchant dashboards, and cloud infrastructure. While SOC 2 examines organizational controls against Trust Services Criteria, the specific scope of PCI DSS is determined by which components can affect the security of the cardholder data environment.