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ARTICLE · 27 OCTOBER 2025

Handling Of Personal Financial Data By Payment Gateways

S.S. Rana & Co.
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On March 17, 2020, the Reserve Bank of India (hereinafter referred to as ‘RBI') released ‘Guidelines on Regulation of Payment Aggregators and Payment Gateways' (hereinafter referred to as ‘PA & PG regulations').

IndiaPrivacy
Anuradha Gandhi
Anuradha Gandhi
Rachita Thakur
Rachita Thakur
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What is a 'Payment Gateway'?

On March 17, 2020, the Reserve Bank of India (hereinafter referred to as 'RBI') released 'Guidelines on Regulation of Payment Aggregators and Payment Gateways' (hereinafter referred to as 'PA & PG regulations').1 These regulations defined Payment Gateways (hereinafter referred to as 'PGs') as intermediary entities that provide technology infrastructure to route and facilitate processing of an online payment transaction without any involvement in handling of funds.

How do Payment Gateways handle User data?

How does Personal Data Flow through PGs?2

  • Placing of Order –The Customer selects an item to order on the merchant's website or app. At checkout, the customer provides her payment details including information related to credit card, debit card, UPI, mobile wallet, net banking based on the preferred mode of payment.

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