Duty to keep documents in the payment system confidential
Section 22 of the Payment and Settlement Systems Act, 2007 deals with duty to keep documents in the payment system confidential. A system provider shall not disclose to any other person the existence or contents of any document or part thereof or other information given to him by a system participant, except where such disclosure is required under the provisions of this Act or the disclosure is made with the express or implie The Act came into force on 12 Aug 2008.
(1) A system provider shall not disclose to any other person the existence or contents of any document or part thereof or other information given to him by a system participant, except where such disclosure is required under the provisions of this Act or the disclosure is made with the express or implied consent of the system participant concerned or where such disclosure is in obedience to the orders passed by a court of competent jurisdiction or a statutory authority in exercise of the powers conferred by a statute.
(2) The provisions of the Bankers’ Book Evidence Act, 1891(18 of 1991) shall apply in relation to the information or documents or other books in whatever form maintained by the system provider.
Section 22, The Payment and Settlement Systems Act, 2007 (Act 51 of 2007).
Cross-references
Extracted from the operative text of the enactments themselves. Every destination below exists in our corpus.
Referred to by 1
Related judgements & precedents
These are some judgments that construed this section, and hold precedence value. They hold authority on how to read, interpret and use this section.
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PhonePe Private Limited v. State of Karnataka
Court's Decision & Legal Precedent
PSS Act confidentiality (ss.15/20/22) and Bankers' Books Evidence Act do not confer absolute immunity from CrPC s.91 summons by a statutory investigating officer; disclosure exceptions apply to police investigating cyber-fraud. DATE VERIFIED Final Order 2025-04-29 (order-1.pdf).
On this section: s.22 duty of confidentiality expressly yields where disclosure required by court/statutory authority; IO is such authority.
The holding above is the ratio decidendi as extracted from the judgment by eCourts India, reproduced unaltered — it is a rendering of the court's reasoning, not a substitute for its words. Read the order itself before relying on it.
Questions about Section 22
What have the courts held on Section 22 of the Payment and Settlement Systems Act?
PhonePe Private Limited v. State of Karnataka (29 Apr 2025) is the leading judgment on this section among those set out below: s.22 duty of confidentiality expressly yields where disclosure required by court/statutory authority; IO is such authority.
How do I find court cases under Section 22 of the Payment and Settlement Systems Act?
In judgments and charge sheets this section is written several ways, and each form finds a different set of orders. These search the full text of every order eCourtsIndia holds, best matches first: Payment and Settlement Systems Act 22, section 22 Payment and Settlement Systems Act, section 22 of the Payment and Settlement Systems Act. Each opens the full list of orders on eCourtsIndia, where it can be narrowed by court, year and outcome. 1 reported judgment on this section is set out on this page, beginning with PhonePe Private Limited v. State of Karnataka (29 Apr 2025).
What should I read with Section 22 of the Payment and Settlement Systems Act, and has it changed?
1 other provision in this corpus refers back to it.
When did Section 22 of the Payment and Settlement Systems Act come into force?
Section 22 of the Payment and Settlement Systems Act, cited as Payment and Settlement Systems Act 22, came into force on 12 Aug 2008, having been enacted on 20 Dec 2007. It is in force as at the date shown on this page.
Other sections of this Act
Source and method. Compiled from the enactments of Parliament and of the State legislatures as published on India Code, and republished together with commentary and other original matter under section 52(1)(q)(ii) of the Copyright Act, 1957. Structured, cross-referenced and maintained by eCourtsIndia. Text as in force on 15 Oct 2026. This page is not a substitute for legal advice.