PAYNET TPA System Audit
Independent Compliance Assurance for Third-Party Acquirers
As Malaysia's payment ecosystem evolves — faster, more digital, and increasingly borderless — Third-Party Acquirers carry heightened responsibility. Your payment infrastructure must meet the rigorous security and compliance standards set by Payments Network Malaysia (PAYNET), ensuring flawless transactions, robust security, and regulatory confidence.
AKATI Sekurity delivers independent PAYNET TPA System Audits designed to validate your compliance posture, identify gaps before regulators do, and future-proof your payment operations.
Where the TPA Sits in the Payment Chain
As a Third-Party Acquirer, you sit at the critical junction between merchants and the payment network. Every transaction passes through your infrastructure — making security and compliance non-negotiable.
Merchant
Initiates card payment at point of sale or online
Third-Party Acquirer
Processes, routes, and manages the transaction on behalf of the acquiring bank
PAYNET
Malaysia's national payment network switching and clearing infrastructure
Issuing Bank
Authorises or declines the transaction and settles funds
What the Audit Covers
The PAYNET TPA System Audit evaluates four critical domains. Click each domain to explore the specific controls and assessments AKATI Sekurity examines.
IT Governance & Risk Management
We assess the strength of your governance framework — from board-level oversight and risk appetite to operational policies and third-party risk controls that underpin your entire payment operation.
- IT governance framework and board-level oversight mechanisms
- Risk assessment methodology and risk appetite definitions
- Third-party vendor management and due diligence processes
- IT policy documentation, review cycles, and exception handling
- Change management and system development lifecycle controls
- Roles, responsibilities, and segregation of duties
System Security & Data Protection
Your payment data is sacrosanct. We evaluate the full spectrum of technical controls — encryption, authentication, fraud prevention, network security, and system hardening across your CDE.
- Encryption standards for data at rest and in transit
- Authentication and access control mechanisms (MFA, RBAC)
- Fraud detection and prevention system effectiveness
- Network segmentation, firewall configurations, and IDS/IPS
- System hardening, patch management, and vulnerability management
- Endpoint security and malware protection across payment infrastructure
Business Continuity & Incident Response
Disruptions to payment processing are unacceptable. We test your disaster recovery strategies, incident response capabilities, backup reliability, and failover mechanisms under realistic conditions.
- Business continuity plan documentation and testing frequency
- Disaster recovery infrastructure and RTO/RPO alignment
- Incident response plan, escalation procedures, and playbooks
- Backup integrity, restoration testing, and off-site storage
- Communication protocols during service disruptions
- Post-incident review processes and lessons-learned integration
Compliance Readiness & Regulatory Reporting
No surprises at audit time. We align every security control with PAYNET's system audit expectations and deliver a clear compliance roadmap — including gap remediation timelines and evidence requirements.
- Alignment of controls with PAYNET's TPA system audit requirements
- Regulatory reporting accuracy, timeliness, and completeness
- Evidence management and documentation readiness
- Gap analysis with prioritised remediation roadmap
- Cross-mapping to related frameworks (BNM RMiT, PCI DSS, ISO 27001)
- Audit trail integrity and logging compliance
How We Audit Differently
Traditional compliance audits can feel complex, tedious, and disruptive. AKATI Sekurity takes a different approach — fast, precise, and built around your operations.
Proactive Risk Identification
We go beyond checklists. We identify vulnerabilities and control weaknesses before they become liabilities or regulatory findings.
Seamless Audit Process
Compliance shouldn't disrupt payment operations. Our process is structured around your business cycles with minimal operational impact.
Clear, Actionable Insights
No jargon or ambiguity. Every finding comes with expert-driven remediation recommendations that your team can act on immediately.
Regulatory-Ready Deliverables
Audit reports formatted for PAYNET submission with complete evidence packs, gap tracking, and compliance status documentation.
What You Gain
Beyond passing the audit — measurable outcomes that strengthen your security posture, build regulatory confidence, and protect every transaction.
Regulatory Readiness
Stay ahead of PAYNET's compliance requirements without the stress
Security Closure
Close security gaps before they become business or regulatory risks
Transaction Integrity
Keep payments running flawlessly without interruptions or vulnerabilities
Future-Proofed
Compliance today, security for tomorrow as regulations evolve
Secure Your TPA Compliance
With AKATI Sekurity, compliance is more than a requirement — it's a competitive advantage. Get in touch to schedule your independent PAYNET TPA System Audit.