FinTech
Penetration Testing

In financial platforms the expensive bugs are usually logic. A transfer endpoint accepts two concurrent requests and debits the balance once. A rounding path quietly keeps the fraction. An account API returns statements for any customer ID handed to it. A password reset flow lets credential stuffing walk straight through because the second factor is only enforced at login. None of that looks like an attack in your logs. It looks like ordinary traffic, right up until reconciliation stops matching or a customer calls about a transaction they did not make.

Testing a fintech platform means testing money movement, not just the pages wrapped around it. We use test merchant accounts and sandbox environments so the full transaction lifecycle — tokenization, authorization, settlement — can be exercised without touching real cardholder data, and we push payment and Open Banking APIs on broken object-level authorization, mass assignment, and rate limiting under the OWASP API Top 10. Where PCI DSS applies, the cardholder data environment boundary is agreed before testing starts, because scope is the first thing an assessor questions. Automated ASV scanning is a separate requirement with its own deliverable; it does not replace manual testing under Requirement 11.4.

You get an experienced tester on the engagement and a report built to be handed to an auditor: scope validation, documented methodology, findings with CVSS scoring and risk context specific to financial data, and proof of remediation through the complimentary retest within 30 days. The same report supports SOC 2 Type II, GLBA, and NYDFS 23 NYCRR 500 evidence requests. We work with organizations across the Charlotte, NC area and nationwide.