BBPS & NPCI Network: 99.98% Live | AePS 24x7 Settlement: Operational
PCI-DSS Level 1 & ISO 27001 Audited 2026
Bank-Grade Resilience

Security Architecture &
Regulatory Trust

Explore how ReffersPay FinCorp safeguards customer balances, merchant banking flows, and transactional privacy with end-to-end cryptographic defense and RBI regulatory alignment.

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AES-256 Encryption

Data at rest is secured using AES-256, while all network transit requires TLS 1.3 with Perfect Forward Secrecy.

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PCI-DSS Level 1

Audited by Qualified Security Assessors (QSA) to satisfy the highest tier of global payment card security.

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Biometric 2FA

UIDAI certified Registered Device (RD) services ensure fingerprint biometric data is encrypted at hardware level.

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AI Fraud Engine

Automated real-time anomaly detection intercepts suspicious velocities, device changes, and geolocation deviations.

Statutory Adherence

Reserve Bank of India &
NPCI Operating Framework

ReffersPay FinCorp operates in complete compliance with the statutory guidelines laid down by the Reserve Bank of India (RBI) under the Master Directions on Digital Payment Security Controls.

100% India Data Residency: All user records, transaction histories, Aadhaar-tokenized identifiers, and settlement logs are stored exclusively in Tier-4 Indian data centers in Mumbai and Hyderabad.
Zero Crypto, Forex, or Unregulated Schemes: ReffersPay FinCorp does not engage in cryptocurrency trading, MLM recruitment bonuses, or speculative financial products.
NPCI Dispute Management: Interoperable dispute resolution adhering to NPCI turnaround timelines, ensuring instant refund credits for any dropped network packets.
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Statutory Grievance Redressal

In accordance with RBI Digital Directions
Designated Grievance Redressal Officer
Mr. R. Sharma, Vice President - Legal & Compliance
ReffersPay FinCorp Private Limited
Official Grievance Email Desk
grievance@refferspay.world
Official response provided within 24 to 48 business hours
Registered Corporate Headquarters
FinCorp Towers, Bandra Kurla Complex (BKC), Mumbai, MH - 400051, India
Resolution Escalation Matrix
Level 1: 24x7 In-App Helpdesk • Level 2: Grievance Officer • Level 3: RBI Ombudsman Scheme