FINTECH & NPCI COMPLIANCE

UPI Security Audits Are Critical

Secure your Unified Payments Interface (UPI) integrations, TPAP applications, and payment switch connectivity against fraud, reverse proxy tampering, and API logic manipulation. Lumiverse Solutions delivers comprehensive NPCI compliance auditing and technical VAPT for Indian fintechs and banks.

NPCI Compliant
Unified Payments Standards
TPAP & PSP
Full Lifecycle Auditing
Zero Tamper
mPIN & Cryptographic Defense

Schedule UPI Audit Scoping

Connect with certified NPCI cybersecurity auditors

6 Core Pillars of UPI Security Auditing

End-to-end technical assessment covering mobile SDKs, device binding, HSM communication, and NPCI switch messaging.

SIM & Device Binding Verification

Testing SIM swap detection, device fingerprinting, hardware keystore integration, and SMS delivery validation routines.

  • SIM change & virtual number fraud prevention
  • Android KeyStore & iOS Keychain integrity
  • Rooted & jailbroken device restriction bypass testing

mPIN & Biometric Entry Security

Auditing common library (CL) screen capture protection, secure numeric keypads, and in-memory mPIN encryption before transmission.

  • Screen overlay and keylogger defense
  • Zero-storage memory protection for PINs
  • Biometric replay and authentication spoofing checks

UPI API & Webhook Hardening

Penetration testing of UPI payment request/response APIs, dynamic QR code generation, and intent-based payment flows.

  • Intent URL parameter tampering prevention
  • VPA spoofing and duplicate collect request audits
  • Mutual TLS (mTLS) certificate pinning validation

NPCI Switch & Payment Core Security

Auditing ISO 8583 and XML messaging between Payment Service Provider (PSP) banks, Third-Party Application Providers (TPAP), and NPCI.

  • Message authentication code (MAC) verification
  • Replay attack protection and timestamp validation
  • High-throughput stress & rate-limiting audits

Fraud Risk Management (FRM) Rules

Evaluating automated behavioral rules, velocity limits, suspicious VPAs blacklisting, and high-frequency micro-transaction anomaly triggers.

  • Velocity threshold and transaction limits testing
  • Mule account detection telemetry review
  • Automated freeze rules for high-risk IP addresses

NPCI Pre-Go-Live Statutory Certification

Issuing the official System Audit Report (SAR) and Safe-to-Host certificate required by NPCI prior to onboarding on the UPI production switch.

  • NPCI security audit checklist compliance
  • Comprehensive vulnerability remediation validation
  • Official SAR submission for regulatory approval

5-Stage UPI Security & NPCI Certification Roadmap

A rigorous, NPCI-aligned audit methodology ensuring frictionless pre-production clearance and impenetrable transaction security.

1
STAGE 1: SCOPING & ARCHITECTURE REVIEW

TPAP & PSP Connectivity Mapping

Reviewing API endpoints, Common Library (CL) integration, cryptographic keys, and device binding workflows against NPCI guidelines.

2
STAGE 2: MOBILE APPLICATION HARDENING

SDK & Device Security VAPT

Testing the client mobile application on iOS and Android for SSL pinning bypass, memory dumping, and hook injection using Frida/Objection.

3
STAGE 3: BACKEND SWITCH & API AUDIT

Transaction Logic & Protocol Testing

Executing comprehensive penetration testing on PSP bank API gateways, transaction settlement endpoints, and callback webhooks.

4
STAGE 4: FRAUD RISK & RATE LIMIT AUDIT

Velocity & Anomaly Rule Verification

Simulating automated bot-driven collect requests, multi-device logins, and Rapid-Fire micro-payments to test FRM filters.

5
STAGE 5: NPCI COMPLIANCE SIGN-OFF

SAR Audit Report & Certification

Compiling the definitive NPCI System Audit Report (SAR) with complete remediation sign-offs ready for immediate production switch onboarding.

Frequently Asked Questions

Key details regarding scoping, timelines, evidence handling, and deliverables.

Yes. NPCI strictly mandates that all Third-Party Application Providers (TPAPs), Payment Service Providers (PSPs), and partner banks undergo a comprehensive security audit by certified auditors before connecting to the live UPI production network.
We test whether the application binds cryptographically to the device's hardware identifiers and IMEI, verifying that any SIM swap, device clone, or virtual phone emulator immediately terminates the authorized session.
We provide a certified System Audit Report (SAR), a clean Safe-to-Host certificate, and complete technical remediation sign-offs required by the NPCI Compliance and Risk Committee.

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