Transaction integrity
Ledger consistency, idempotency, double-spend, race conditions on critical money paths.
Your PCI QSA, sponsor bank, or regulator is asking for documented penetration testing — and transaction integrity is what they care about most.
PCI DSS v4.0 testing, transaction and business-logic abuse, NYDFS and FFIEC control coverage — in a single report your QSA or authorizing regulator accepts without rework.
What is at stake
Four situations fintech teams are navigating right now.
PCI DSS v4.0
External and internal testing per Requirement 11.4, plus segmentation testing per 11.4.5.
Regulator pressure
NYDFS Part 500, FFIEC, OCC, and state regulators expect documented testing on a defined cadence.
Bank or partner DD
A banking partner or sponsor bank is asking how you handle adversarial testing.
New product launch
You are launching cards, lending, or payments and need a pre-launch test.
How we help
We test the six surfaces regulators, QSAs, and sponsor banks look at first.
Findings are mapped to PCI DSS, NYDFS Part 500, or FFIEC controls in the same report — the language your QSA expects alongside the proof your engineers need.
Business-logic abuse
Promo and referral abuse, fee bypasses, KYC/AML downgrade paths, velocity controls.
Authentication and identity
Account opening, step-up auth, device binding, recovery flows, fraud-control bypasses.
Cardholder data and PCI scope
CDE boundaries, segmentation, tokenization scope, third-party processors.
Open banking / partner APIs
OAuth scope, partner-token isolation, webhook signature handling, replay.
Operations and admin
Backoffice tooling, refund and chargeback workflows, support-agent privileges.
How an engagement works
Four steps from scoping call to a report your QSA or regulator will accept.
- 01
Scoping call
A quick call. We learn your product flows, CDE boundary, and what regulator or partner is asking. You leave with a fixed scope, price, and date.
- 02
Hands-on testing
A senior tester runs the engagement end-to-end across transaction flows, partner APIs, and the CDE boundary. Critical findings surfaced immediately on a live channel.
- 03
Audit-ready report
Every finding has a working proof and a remediation engineers can act on. Control mapping for PCI DSS, NYDFS Part 500, FFIEC, or whichever framework your regulator uses. Board summary included.
- 04
Retest included
We retest fixed items and update the report at no extra cost. The version you share with your QSA or sponsor bank reflects your actual fixed state.
PCI audit or regulator deadline on the calendar?
A quick scoping call gives you a fixed scope, price, and date — so you know exactly what lands before the deadline.
Get a straight answer Why fintech teams trust the result
Senior testers, real certifications, and a report that satisfies QSAs and regulators.
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Certifications
OSCP · OSWE · GPEN · GXPN · CRTO · CCSP · CISSP · CREST CRT
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PCI DSS alignment
External and internal testing per Requirement 11.4; segmentation testing per 11.4.5; QSA-ready report language
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Senior-led
Every engagement led end-to-end by a senior tester — no subcontractors, no junior handoffs
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Retest included
Retest of reported findings is included in scope at no extra cost
FAQ
Fintech — common questions
Do you cover PCI DSS Requirement 11.4 testing?
Yes. External and internal testing per Requirement 11.4, segmentation testing per 11.4.5, and report language your QSA expects — all included.
How do you test transaction integrity safely?
We default to a staging environment matched to production behavior. When a production test is needed, we agree safe-testing rules, throttle activity, and stay on a shared channel throughout.
Can you test business logic for our specific product?
Yes. The scoping call covers your flows, fees, limits, partner roles, and what would hurt you commercially. We model abuse scenarios from there.
Do you align to NYDFS, FFIEC, or banking regulator expectations?
Yes. Reports include a control-mapping section for the framework you operate under — NYDFS Part 500, FFIEC, OCC, or state regulator. Scope language is tunable on request.
Will a banking partner accept the report?
Sponsor banks and processors consistently accept our reports as security-review evidence. The control mapping and explicit scope statement are typically what they look for first.
Want a credible answer when a customer, auditor, or your board asks how secure you are?
A quick scoping call with the senior tester who would run your engagement. No slides, no pitch — we look at what you have, tell you what we would test first, and give you a fixed scope, price, and date.