Industries · Financial Services

Payments & Fintech

Payments firms and fintechs win on speed, but they operate under PCI DSS, RBI payment and data-storage rules and relentless fraud pressure, often before the control function has caught up with the product. Scaling transaction volumes, open APIs and embedded-finance partnerships multiply both the attack surface and the compliance scope. Fidova helps fintechs build secure, compliant platforms from the architecture up and stand up governance that satisfies acquirers, partner banks and regulators without slowing the roadmap.

Build · Secure · Govern

One connected advisory, applied to the realities of payments & fintech.

What's at stake

The pressures shaping this sector.

Card & payment data security

Handling card and payment credentials pulls the whole platform into PCI DSS scope, demanding tokenisation, segmentation and tested controls that many fast-moving teams under-build.

RBI data & licensing rules

Payment data localisation, PA/PG authorisation and KYC obligations impose hard architectural and operational constraints that are costly to retrofit after launch.

Fraud and API exposure

Open APIs, instant settlement and embedded-finance partners create a broad, fast-moving attack surface where fraud and account takeover scale as quickly as the business does.

Compliance that keeps pace

Governance bolted on after product-market fit cannot keep up with new rails, partners and geographies — control has to scale with the platform, not trail it.

How Fidova helps

The disciplines that matter most here.

CybersecurityWe penetration-test payment flows, APIs and cloud infrastructure, scope and reduce PCI DSS exposure, and design a security programme that acquirers and partner banks trust.Governance, Risk & ComplianceWe stand up a right-sized control set with continuous evidence, mapped across PCI DSS, RBI requirements, ISO 27001 and SOC 2 so due diligence and audits move fast.DevelopmentWe design platform architecture and oversee delivery with security decided up front, so compliance and resilience are engineered into the product rather than patched later.Artificial IntelligenceWe put security review, data protection and human oversight around AI used for fraud, risk scoring and onboarding so models hold up under scrutiny.Finance ConsultingWe design finance processes, reconciliation and reporting that cope with high transaction volumes, and test business cases for new rails under independent challenge.

Regulation & frameworks

The obligations we design around.

We build controls, evidence and reporting to hold up against the frameworks this sector answers to — across the jurisdictions you operate in.

PCI DSS
RBI Payment & Settlement Systems (PSS) Act
RBI payment data localisation
RBI PA/PG guidelines
India DPDP Act 2023
ISO 27001
SOC 2
PA-DSS / SWIFT CSP

Relevant work

Products we have built with transferable patterns.

FinTech · Professional services (India)

OfficeFlow — billing, compliance & cash-flow platform

A multi-tenant platform that runs the entire money lifecycle of a project-based professional-services firm in India — from quotation to reconciled rupee — GST- and TDS-aware and aligned to the April–March financial year.

Get in touch

Tell us what you are deciding in payments & fintech.

Share the situation and we will come back with a considered view on scope, sequencing and where the real dependencies sit.

Prefer email? contact@fidovaadvisory.com