Compliance at Zoho Payment Technologies
Regulatory Compliance
Zoho Payments operates under the regulatory framework of the Reserve Bank of India (RBI) as an authorised Payment Aggregator and BBPOU (Bharat bill Payment Operating unit).
We maintain complete regulatory compliance and undergo regular audits by Cert-In empanelled auditors to ensure adherence to all applicable regulatory requirements.
RBI PSS CoA is the Certificate of Authorization issued by the Reserve Bank of India, permitting an organization to operate a payment and settlement system in India in accordance with applicable regulatory guidelines..Under the RBI’s Master Direction on Payment Aggregators, authorization categories include PA-O (Online Payments), PA-P (Physical Payments), and PA-CB (Cross-Border Payments). Currently, we are authorized to operate as a Payment Aggregator for Online and Physical transactions (PA-O and PA-P).
Listed in RBI PSS CoA website: URL
Industry standard Certifications
PCI DSS - Payment card industry Data Security Standard compliance refers to the technical and operational standards that businesses must follow to ensure that card data provided by cardholders is protected. PCI compliance is enforced by the PCI Security Standards Council (PCI SSC). It ensures that businesses storing, processing, or transmitting card data electronically do so securely to reduce the risk of sensitive cardholder data theft or misuse.
Zoho Payments is PCI DSS Level 1 compliant, assessed and certified by PCI Qualified Security Assessor. It is highest level of compliance under the PCI DSS levels. In line with Level 1 standards, Zoho Payments ensures that customers' data and transactions are protected end-to-end.
ISO/IEC 27001 is one of the most widely recognized international standards for Information Security Management System. It ensures that an organization follows stringent practices to protect data across all operations. Zoho Payments has achieved ISO/IEC 27001:2022 certification, demonstrating its compliance with global standards in safeguarding Applications, Systems, People, Technology, and Processes.
For more information, please feel free to reach out to support@zohopayments.com