Fintech penetration testing

Research-led fintech pentest, payments, KYC, partner-bank APIs.

CREST plus CERT-In accredited researchers test fintech stacks the way attackers and regulators do: payment-flow abuse, KYC bypass, partner-bank API chains, mobile-to-API exploits, and PCI / RBI / SEBI scope. Two weeks to a report your regulator and auditor accept.

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Trusted by security teams across Fintech, SaaS & Education, Enterprise & Telecom, Security & Critical Infrastructure

Airbase
Quiltt
Pacvue
Imagine Learning

Why this matters

Fintech pentests get tested twice: by attackers and by regulators. Most reports survive neither.

  • Templated pentests miss business-logic abuse in payment flows: idempotency-key replay, refund-loop chaining, double-credit race conditions.

  • Partner-bank API integrations sit in the seam where in-house testing stops and the partner's pentest never started. Attackers walk in.

  • Reports that pass internal review still get bounced by RBI cyber security framework reviewers and PCI QSAs for missing evidence shape.

Here is what we ship.

Why teams pick us

Payment chains, not scanner output.

  • Payment-flow business logic

    Idempotency-key replay, refund loops, double-credit races, voucher and cashback abuse, partner-bank settlement gaps.

  • Regulator-mapped findings

    RBI cyber security framework, SEBI cybersecurity, PCI DSS v4, ISO 27001 Annex A. Findings tagged to controls.

  • Mobile-to-API chains

    Fintech ships across web, mobile, and partner APIs. We chain across all three, not test each in isolation.

How it works

From intro to report in two to three weeks.

  1. Scope the payment graph

    Tell us payment flows, partner banks, KYC pipeline, and regulator scope. Confirmed before kickoff.

  2. Researchers chain attacks

    Web, mobile, API, and partner-bank integrations tested as a single graph.

  3. Report regulators accept

    Findings tagged to RBI, SEBI, PCI DSS, ISO 27001. Auditor evidence in one file.

Research ledger,

Coordinated disclosures published by SL7 research.

The same researchers run your engagement.

Full advisories index

What founders say

“Thank you for being our pentest partners. Our user base is safer because of y'all.”
Vinay Hiremath

Vinay Hiremath

Co-founder, Loom

View tweet

Common questions

What buyers ask before they sign.

What does the fintech scope cover?
Web app, mobile (iOS, Android), API (REST, GraphQL), partner-bank integrations, KYC pipeline, payments and settlements infrastructure.
Do you map to RBI and SEBI?
Yes. RBI cyber security framework, SEBI cybersecurity guidelines, and CERT-In empanelled VAPT for India regulator submission.
PCI DSS coverage?
Yes. PCI DSS v4 Requirement 11.4 internal, external, and segmentation pentest included when scope crosses the CDE.
Will the report help with partner-bank security reviews?
Yes. Partner-bank InfoSec teams typically accept the report and the empanelment ledger entry.
Re-test included?
Yes. Criticals re-tested inside the same engagement.

Ready to test the payment graph end to end?

20-minute scoping call with the lead fintech pentester. Payments, KYC, partner-bank APIs, and the regulator-shaped report.

CERT-In · CREST · SOC 2 · ISO 27001 · PCI DSS v4