Transaction integrity
Ledger consistency under concurrency, idempotency, double-spend, race conditions on critical money paths.
Fintech & financial services
A pentest written for regulators, sponsor banks, and your product.
Transaction integrity, business-logic abuse, PCI DSS v4.0 coverage, and the controls your sponsor bank or regulator is asking about — in a single, audit-ready report.
Where we focus
Six surfaces fintech engagements always touch.
Business-logic abuse
Promo and referral abuse, fee bypasses, KYC/AML downgrade paths, limits and velocity controls.
Authentication and identity
Account opening flows, step-up auth, device binding, recovery flows, and fraud-control bypasses.
Cardholder data and PCI scope
CDE boundaries, segmentation, tokenization scope, third-party processors and gateways.
Open banking / partner APIs
OAuth scope, partner-token isolation, webhook signature handling, replay and reconciliation.
Operations and admin
Backoffice tooling, refund and chargeback workflows, support agent privileges and audit trails.
How we typically scope fintech
A common bundle: app + API + segmentation + compliance framing.
FAQ
Fintech — common questions
Do you cover PCI DSS Requirement 11.4 testing?
Yes. We perform external and internal testing per Requirement 11.4 and segmentation testing per 11.4.5 where the cardholder data environment shares infrastructure with out-of-scope systems. The report includes the language QSAs expect.
How do you test transaction integrity safely?
We default to a staging environment matched to production behavior. When a production test is necessary, we agree on safe-testing rules, throttle activity, and stay reachable on a shared channel for the duration of the test. We do not deploy destructive payloads on money paths.
Can you test business logic for our specific product?
Yes. The first hour of the scoping call is usually about the product — flows, fees, limits, partner roles, and what would actually 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 IT Examination Handbook, OCC, or state regulator). We can tune the scope language on request.
Will a banking partner accept the report?
Sponsor banks and processors consistently accept our reports as evidence in their security review. The control mapping and the explicit scope statement are typically what they look for first.
Want a credible answer to: are we secure?
A 30-minute review with our lead pentester. No slides, no pitch — we look at what you have, tell you what we would test first, and give you a fair scope and timeline.