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.
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.
TPAP & PSP Connectivity Mapping
Reviewing API endpoints, Common Library (CL) integration, cryptographic keys, and device binding workflows against NPCI guidelines.
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.
Transaction Logic & Protocol Testing
Executing comprehensive penetration testing on PSP bank API gateways, transaction settlement endpoints, and callback webhooks.
Velocity & Anomaly Rule Verification
Simulating automated bot-driven collect requests, multi-device logins, and Rapid-Fire micro-payments to test FRM filters.
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.