They expertly mapped the overlapping controls between SOC 2 and ISO 27001, which saved us from duplicating work.
Jasreet Kaur B.Silicon Physical Design Engineer · Small-BusinessSOC 2 + ISO 27001 · August 2026
Industries · Financial Services
Compliance for
Fintech & Financial Services
Cybersecurity and compliance solutions for fintech companies, banks, NBFCs, payment service providers, and financial institutions navigating India's complex regulatory landscape.
35+Fintech companies served
1,000+Audits delivered
20+Frameworks covered
RBI · PCI DSS · ISO 27001 · SOC 2 · DPDP — one mapped control program for regulators and buyers
35+Fintech Companies Served
20+Frameworks Covered
₹500+ CrPayment Volume Secured
300+SOC 2 Engagements
Direct Answer
What compliance does an Indian fintech need?
Fintech companies, banks, NBFCs, and payment providers in India must satisfy the RBI cybersecurity framework, the DPDP Act 2023, and (for payments) PCI DSS, while ISO 27001 and SOC 2 unlock enterprise and global deals. Tranquility Cybersecurity (TCSA) implements a single mapped control program that covers the regulator and your buyers at once, across 1,000+ audits.
Key Takeaways
- RBI guidelines, the DPDP Act, and ISO 27001 / SOC 2 share a common core — access control, encryption, logging, incident response, and third-party risk — so one mapped program serves all three.
- Payment gateways and aggregators need PCI DSS (Level 1 for high volume) alongside RBI payment-aggregator guidelines and DPDP for customer data.
- ISO 27001 is the most direct way for NBFCs and lenders to evidence alignment with RBI cybersecurity expectations and win enterprise clients.
- Indicative consulting fees stay under ₹5 Lakh per framework, except DPDP for an enterprise at ₹5–7 Lakh, and reduce when bundled. QSA and certification-body audit fees are billed separately.
Global Reach
Trusted by fintech companies worldwide
From payment gateways in London to neobanks in San Francisco, digital wallets in Sydney to lending platforms in Mumbai - we secure financial data globally.
USA
SOC 2 & PCI DSS
- San Francisco
- New York
- Austin
- Chicago
UK
FCA & ISO 27001
- London
- Manchester
- Edinburgh
- Bristol
Australia
APRA & ISO 27001
- Sydney
- Melbourne
- Brisbane
- Perth
India
RBI & DPDP
- Mumbai
- Bangalore
- Delhi
- Hyderabad
Why choose offshore fintech compliance?
US and Australian fintech companies save 60-70% on ISO 27001, PCI DSS, and SOC 2 compliance costs by partnering with specialized financial security consultants in India.
Our fintech compliance experts understand payment security, fraud prevention, RBI regulations, PCI DSS, and global financial compliance. We deliver enterprise-grade security at a fraction of the cost.
- Cost Savingsvs. US consultants
- 60-70%
- Fintech ExpertiseFinancial clients
- 35+
- SOC 1 EngagementsDelivered to date
- 100+
- Frameworks CoveredAcross all engagements
- 20+
What You Need
Compliance requirements
Financial services companies must navigate a complex web of regulatory requirements and industry standards.
RBI Compliance
Reserve Bank of India guidelines for cybersecurity, data localization, and IT governance for banks, NBFCs, and payment systems.
Mandatory6-12 months
ISO 27001
International standard for information security. Required for fintech companies serving enterprise clients and global markets.
Critical6-9 months
DPDP Act 2023
India's data protection law governing customer financial data, consent management, and breach notification.
Legal Requirement8-10 weeks small, 12-14 MSME, over 16 enterprise
PCI DSS
Payment Card Industry Data Security Standard. Mandatory for payment gateways, processors, and card-accepting merchants.
Mandatory for Payments6-12 months
What We Solve
Common financial services challenges
Fintech and financial institutions face unique security and compliance challenges in the digital age.
Fraud Prevention & Detection
Implementing real-time fraud detection systems to prevent account takeovers, payment fraud, and identity theft.
Payment Gateway Security
Securing payment processing infrastructure, APIs, and ensuring PCI DSS compliance for card transactions.
Mobile Banking Security
Protecting mobile banking apps from reverse engineering, malware, and ensuring secure authentication.
Data Localization Requirements
Meeting RBI's data localization mandates requiring payment data to be stored only in India.
Third-Party Risk Management
Managing security risks from payment aggregators, KYC providers, credit bureaus, and other financial service providers.
Regulatory Compliance
Navigating complex regulatory landscape: RBI, SEBI, IRDAI, NPCI guidelines, and evolving fintech regulations.
Our Expertise
TCSA expertise for financial services
We specialize in helping fintech companies and financial institutions achieve compliance while maintaining innovation velocity.
RBI Cybersecurity Framework Compliance
We help banks, NBFCs, and payment systems achieve compliance with RBI's cybersecurity framework and IT governance guidelines. We deliver CERT-In audits, end to end, with our CERT-In empanelled partners.
- RBI cybersecurity framework implementation
- IT governance and risk management
- Cyber crisis management plan
- Board-level cybersecurity reporting
- Data localization compliance
- Third-party risk assessment
Fintech Compliance Programs
End-to-end compliance for digital lending platforms, payment gateways, neobanks, and wealth management platforms.
- ISO 27001 + DPDP Act dual compliance
- Payment security (PCI DSS readiness)
- API security and penetration testing
- Fraud detection framework
- Customer data protection
Payment Security & PCI DSS
Specialized expertise in securing payment infrastructure and achieving PCI DSS compliance for payment service providers.
- PCI DSS Level 1-4 compliance
- Payment tokenization implementation
- Secure payment gateway architecture
- Card data encryption (P2PE)
- QSA audit support
NBFC & Banking Security
Comprehensive security programs for non-banking financial companies and traditional banking institutions.
- Core banking system security
- ATM and branch network security
- Loan management system protection
- Customer KYC data security
- Incident response and forensics
In Their Words
What fintech leaders say
Hear from fintech founders and CFOs who achieved PCI DSS, ISO 27001, and RBI compliance with TCSA.
Our SOC 1 and SOC 2 journey couldn't have been made more simple. TCSA guided us throughout and helped us unblock our enterprise deal.
We reached out to TCSA for help with DPDP compliance, and they made the whole process much easier. Their guidance was clear, practical, and easy for our team to follow.
Had a great experience with TCSA. The team is knowledgeable and supportive, and made compliance straightforward.
Success Stories
Fintech success stories
Representative fintech engagements, illustrating how these compliance programs come together.
Digital Payment Gateway
Payment ProcessingDelhi → Global Markets
Challenge
Needed PCI DSS Level 1 to process international card payments at scale, with manual security processes that couldn't keep pace as volume grew.
Solution
Achieved PCI DSS Level 1 and ISO 27001 certification, implementing tokenization, encryption, network segmentation, and continuous monitoring.
Results
- Validated as a PCI DSS Level 1 service provider
- Cardholder data tokenized and segmented from the rest of the environment
- Continuous monitoring and quarterly scans built into day-to-day operations
- Cleared the security due-diligence that international acquirers and merchants require
PCI DSS Level 1ISO 27001
6 monthsLending Platform (NBFC)
Digital LendingBangalore → Pan-India
Challenge
An RBI inspection had flagged data-security gaps, DPDP Act readiness was required, and unresolved findings carried real regulatory risk.
Solution
Built an ISO 27001 ISMS aligned to RBI guidelines, established DPDP Act readiness, and automated consent management and breach-notification workflows.
Results
- Closed out the data-security gaps raised in the RBI inspection
- ISMS maps RBI guidelines and ISO 27001 to a single control set
- Consent and breach-notification workflows stood up for DPDP readiness
- Regulator and customer security reviews handled from one evidence base
ISO 27001RBI GuidelinesDPDP Act
7 monthsProof
In their words.
Quotes verbatim from G2. Company names added where the client confirmed them.
Instead of simply providing generic templates or checklists, their team took the time to understand our environment and requirements.
Anand .Market Risk Analyst · Mid-MarketCompliance readiness · September 2026
The team’s willingness to work with us and ease of communication.
sam v.CEO · Small-BusinessSOC 2 Type I + ISO 27001 · August 2026
They delivered the project with speed, accuracy, and cost-effectiveness.
Maneet P.Mid-MarketSOC 2 · August 2026
My only regret is that we didn’t engage them sooner in our compliance journey, which would have saved us even more time.
Mahesh Raju C. · XonarSmall-BusinessSOC 2 · GRC · August 2026
They were always responsive and willing to go the extra mile whenever we had questions or needed guidance.
Chandan J. · DsiderSmall-BusinessSOC 2 Type I · August 2026
Managing the auditor relationship on our behalf was especially valuable — it took a lot of pressure off our internal team.
Achyut B.Senior Software Engineer · Small-BusinessSOC 2 + ISO 27001 · September 2026
Their focus on ensuring that we were genuinely audit-ready rather than simply completing documentation.
Ravi V.Founder & CEO · Mid-MarketSOC 2 Type II · August 2026
The guidance was not generic or simply based on a standard checklist — they suggested practical approaches that made sense for our business.
Verified UserInternational Trade and Development · Small-BusinessSOC 2 + ISO 27001 · September 2026
What I like best is the hands-on support and clear guidance throughout the SOC 1 and SOC 2 process.
Sai Sudha S. · ExcersSmall-BusinessSOC 1 + SOC 2 · September 2026
Fintech & Financial Services Compliance FAQs
RBI, PCI DSS, DPDP, ISO 27001, and SOC 2 answers from the team behind 1,000+ audits.
How do RBI, DPDP, and SOC 2 / ISO 27001 requirements overlap for an Indian fintech?
They share a large common core. RBI's cybersecurity framework and IT-governance guidelines, the DPDP Act 2023, and the ISO 27001 / SOC 2 control sets all demand the same fundamentals: access control, encryption, logging and monitoring, incident response, breach notification, and third-party risk management. TCSA implements one control framework and maps it to RBI directions, DPDP obligations, and ISO 27001 / SOC 2 criteria, so you satisfy the regulator and enterprise buyers from a single program instead of running three disconnected projects.
What compliance certifications do payment gateways need in India?
Payment gateways in India need: PCI DSS (Level 1 for high volume, Level 2-4 for lower volumes), RBI guidelines for payment aggregators, ISO 27001 for information security, and DPDP Act compliance for customer data. International expansion typically adds SOC 2 for US clients or regional requirements such as PSD2 in Europe.
How long does PCI DSS Level 1 certification take?
PCI DSS Level 1 typically takes 6-9 months end to end: scoping (about a month), gap analysis (a month), remediation (3-5 months), and the QSA audit (1-2 months). With an accelerated program and payment-security expertise, TCSA has helped payment companies reach PCI DSS readiness in as little as 6 months.
What are RBI's cybersecurity requirements for NBFCs?
RBI expects NBFCs to implement a board-approved cybersecurity framework, defined policies, incident-response procedures, regular security audits, customer-data protection, and timely breach notification. ISO 27001 certification is the most direct way to evidence alignment with RBI guidelines and reduce regulatory scrutiny.
How do we handle DPDP Act compliance for financial data?
The DPDP Act requires explicit consent, purpose limitation, data minimisation, security safeguards, breach notification, and support for data-principal rights. For fintech this means consent management across loans and payments, encrypted and access-controlled storage, and audit trails. TCSA helps automate the bulk of these DPDP workflows so compliance scales with your transaction volume.
What does fintech compliance cost, and can an Indian partner handle RBI and PCI DSS?
Yes. TCSA has guided fintech clients through RBI alignment, PCI DSS, ISO 27001, and DPDP, with deep expertise in tokenisation, encryption, and network segmentation. Indicative consulting fees sit under ₹5 Lakh for a single framework, except DPDP for an enterprise at ₹5–7 Lakh, and reduce per-framework when bundled, because overlapping controls are implemented once. QSA and certification-body audit fees are billed separately.
Keep Exploring
- ISO 27001 for fintech information security
- SOC 2 for fintech & financial services
- SOC 1 for payment, lending and BaaS platforms
- SOC 1 for payroll processors
- SOC 1 for loan servicers
- SOC 1 for mortgage servicers
- DPDP Act compliance for customer data
- How a CERT-In audit runs with us
- Verified client reviews & audit outcomes
Keep Exploring
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