Is this a consulting service?

No, this is a free, interactive software tool that calculates your potential liability under the DPDP Act 2023 in 30 seconds. It provides an instant risk score and automated action plan.

What are common DPDP violations in DPDP Act vs PCI-DSS: Payment Data Compliance?

Common violations include: Assuming PCI-DSS covers all customer data processed during a transaction (it only covers card data, not all associated personal data)., Sharing customer transaction history (containing personal data) with marketing partners without explicit, purpose-specific DPDP consent., Retaining customer names, emails, and transaction details for longer than necessary, even after PCI-DSS data purging, without a DPDP-compliant retention policy..

The DPDP Audit Tool

Compliance for DPDP Act vs PCI-DSS: Payment Data Compliance

💳

DPDP Act vs PCI-DSS: Payment Data Compliance
Liability Check

Handling customer payment data? PCI-DSS isn't enough anymore. Under the DPDP Act, mishandling financial information, even if PCI-compliant, can trigger penalties up to ₹250 Crore for failing to protect Personal Data.

Why DPDP Act vs PCI-DSS: Payment Data Compliance is at Risk

Many Indian businesses assume PCI-DSS certification covers all their data security liabilities, especially for payment gateways like Razorpay or PayU. But the DPDP Act goes further. While PCI-DSS focuses on securing **cardholder data environments (CDE)** to prevent fraud, DPDP expands the scope to all **personal data** involved in a transaction – including names, addresses, phone numbers, and even transaction histories, which are often not covered by strict PCI-DSS scope. This means your data storage practices, data sharing with third-party vendors, and consent mechanisms for using transaction data for marketing purposes must now comply with DPDP, irrespective of your PCI-DSS status. A breach of this wider 'personal data' is a direct DPDP violation, even if your CDE remains secure.

Common Violations

1.Assuming PCI-DSS covers all customer data processed during a transaction (it only covers card data, not all associated personal data).
2.Sharing customer transaction history (containing personal data) with marketing partners without explicit, purpose-specific DPDP consent.
3.Retaining customer names, emails, and transaction details for longer than necessary, even after PCI-DSS data purging, without a DPDP-compliant retention policy.

The Immediate Fix

Map out all personal data processed during a transaction, beyond just card details. Review your data retention policies and third-party data sharing agreements to ensure DPDP-compliant consent and data minimization practices are in place, even for PCI-DSS compliant systems.