Niriksha
Writer, Payments Regulation & Compliance
Niriksha covers payments regulation and compliance for paymentsecuritypros.com.
She works from the source documents, including central bank directions and circulars, network operator notices, data protection law and PCI Security Standards Council publications, and turns them into plain-English checklists for the merchants, exporters and SaaS businesses they affect.
Each guide sets out what changed, who it applies to, what the deadline is, and links to the original document so readers can check it for themselves.
Areas of expertise
- RBI Payment Aggregator regulations
- Cross-border payments (PA-CB)
- RBI e-mandate and authentication rules
- DPDP Act 2023 and payment data
- PCI DSS 4.0 compliance
Writes about
Reviews
Recent guides by Niriksha
- RBI Payment Aggregator Guidelines: Security and Compliance Checklist (2026)
- Cross-Border Payment Aggregator (PA-CB) Rules: What Indian Exporters and SaaS Sellers Must Check (2026)
- RBI E-mandate Framework 2026: UPI AutoPay and Recurring Payment Rules for Merchants
- RBI Authentication Directions 2025: What Merchants Need to Know (In Force Since April 2026)
- DPDP Act and Payment Data: What Merchants and Fintechs Must Do Before May 2027
- PCI DSS Certification in India: Process, Cost, Levels and Who Needs It
How we work
Every article on this site has a named author and a second reviewer, cites primary sources, and shows when it was last checked. Read our editorial policy or meet the rest of the team.
Contact: niriksha@paymentsecuritypros.com · LinkedIn