Fintech & Payments
We help fintechs, wallets, BNPL providers, and payment processors ship safely. Our focus: PCI awareness, fraud/abuse testing, secure authentication, key management, and transaction integrity across web, mobile, and APIs.
Why it matters
- • Protect customer data and funds movement
- • Reduce ATO, card testing, and refund/bonus abuse
- • Harden payment APIs and idempotency
- • Validate auth, step-up, and risk scoring
- • Strengthen key and token handling
- • Produce audit-friendly evidence for stakeholders
What we test
- Authentication & authorization: signup, login, MFA/step-up, session management, RBAC/entitlements, recovery flows.
- Payments & money movement: add card/accounts, payouts, transfers, idempotency keys, double-spend/race conditions, reconciliation integrity.
- APIs: object-level authZ, BOLA/BFLA, input validation, rate limiting/abuse controls, webhook security and signature verification.
- Key & token management: KMS/HSM usage, rotation, tokenization, PAN handling/avoidance, secrets in code/CI/CD.
- Cloud & data: storage exposure, IAM least privilege, audit logging, encryption at rest/in transit, backups and snapshot hygiene.
- Mobile apps: MASVS-aligned checks, certificate pinning, device trust, sensitive data in storage/logs, hooking/mitm resistance.
Fraud & abuse scenarios we simulate
- Account takeover (phishing/BEC, credential stuffing, MFA fatigue)
- Card testing/BIN attacks, velocity abuse, enumeration of PAN/expiry/CVV
- Promo/bonus/refund abuse, chargeback loops, referral gaming
- Social engineering + weak back-office overrides (KYC reset, limit bumps)
- Webhook replay, signature bypass, and payout redirection
PCI awareness & control focus areas
While we are not a QSA, we test controls that support PCI obligations and good hygiene around cardholder data.
- Minimize PAN scope (tokenization over storage; redact logs/screenshots)
- TLS configuration, certificate handling, HSTS, and downgrade resistance
- Network/CDE segmentation, firewall rules, and least privilege to card systems
- Key management with KMS/HSM, rotation, dual-control/monitoring
- Access controls, strong MFA for admins/ops, break-glass procedures
- Change management, logging/monitoring, and timely patching of exposed services
Sample test cases
- Bypass step-up MFA during high-risk actions (add payout, change bank, raise limits)
- Replay and race: idempotency key misuse causing duplicate charges/transfers
- Object-level authZ: access to other users’ transactions, statements, or PII
- Webhook tampering: invalid signature acceptance, stale timestamps, replays
- Mobile: rooted/jailbroken bypass, insecure local storage, pinned cert handling
- Secrets: keys/tokens in repos, images, or CI logs; insufficient rotation
What you get
- • Proof-of-exploit with safe evidence
- • Clear reproduction steps your team can follow
- • Fix-first guidance with code/config examples
- • Severity mapped to business impact and money-movement risk
- • Executive summary + audit-friendly artifacts
- • Fast re-test to verify remediation
Who we’re best for
Payment processors, wallets, BNPL, neobanks, lending/wealth platforms, and B2B SaaS with embedded payments.