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Your Security is
Our Top Priority

We use military-grade security infrastructure to protect your money, data, and identity. Here's exactly how we keep you safe.

RBI Regulated NBFC
ISO 27001:2022
CERT-IN Empanelled Auditors
DigiLocker Partner
UIDAI Authorized

Security Infrastructure

Six layers of protection for every customer

256-bit AES Encryption

All data stored on our servers is encrypted using AES-256, the same standard used by banks and defence agencies worldwide.

TLS 1.3 In Transit

Every API call and data transfer between your device and OwnPaisa uses TLS 1.3, the latest transport encryption standard.

Zero-Knowledge KYC

Your Aadhaar data is processed exclusively through certified DigiLocker and UIDAI APIs. We never store your biometric data.

ISO 27001 Certified

Our Information Security Management System (ISMS) is certified to ISO/IEC 27001:2022, independently audited every year.

Real-Time Fraud Detection

Our ML-powered fraud engine monitors every transaction and login attempt in real-time, flagging and blocking suspicious activity instantly.

Penetration Testing

We conduct quarterly penetration tests with certified ethical hackers from CERT-IN empanelled agencies to proactively find and fix vulnerabilities.

What We Do Internally

Multi-factor authentication (OTP + device fingerprinting) for every login
Role-based access control — employees can only see data relevant to their function
All employee access is logged and audited monthly
No employee can access your full PAN or Aadhaar number after KYC is complete
Automated alerts sent to you for any login from a new device
30-minute session timeout with re-authentication for sensitive operations
Bug bounty programme rewarding security researchers who responsibly disclose vulnerabilities

Report a Security Issue

Found a security vulnerability? We run a responsible disclosure programme and reward valid reports. Please do not publish vulnerabilities publicly — reach out to us first.