Industry

FINTECH
pen testing.

Fintech is the most regulated, most targeted, and most fast-moving sector we test. Our engagements are scoped against the actual frameworks that matter — PCI-DSS, FCA, PSD2 SCA, and Open Banking — with the depth attackers actually use.

FIN

Why fintech is different.

Three pressures collide in fintech: regulatory scrutiny (FCA, EBA, FinCEN, MAS), payment-industry mandates (PCI-DSS, PCI-PIN, Visa/Mastercard scheme rules), and the velocity required by competitive product cycles. The result is a uniquely high-stakes attack surface where missed business-logic flaws translate directly into financial loss and regulatory enforcement.

Regulatory frameworks.

  • PCI-DSS v4.0 — requirement 11.4 penetration testing for the CDE
  • FCA SYSC 13 and the FCA’s operational resilience expectations
  • PSD2 SCA — testing of strong customer authentication and dynamic linking
  • Open Banking — CMA standard implementations, dynamic client registration, FAPI 2.0
  • DORA (EU) — Threat-Led Penetration Testing for critical financial entities
  • CBEST (UK) — Bank of England intelligence-led red teaming
  • SOC 2 Type II for serving enterprise customers

What we focus on.

Payment workflows

Multi-step payment workflows are a goldmine for business-logic abuse: idempotency violations leading to double-debits, race conditions in order-to-payment matching, coupon stacking, refund-without-reversal chains, and currency rounding exploits. We test every state transition.

Authentication & SCA

PSD2 SCA bypass techniques — remembered-device abuse, exemption abuse (low-value, trusted beneficiary), MFA downgrade via fallback channels — are tested across every authentication flow. We measure your dynamic-linking implementation against the EBA RTS.

Open Banking & FAPI

For TPP-facing endpoints we test against the FAPI 2.0 advanced profile: client certificate binding (mTLS), PKCE, request object signing, and the full set of OBIE conformance test cases.

Anti-fraud & rate limits

We attempt the attacks your fraud team sees daily: account takeover, mule onboarding patterns, synthetic identity creation, and rate-limit bypass at scale.

How we engage.

  1. Confidential scoping call with your security and compliance leads
  2. Statement of Work, Letter of Authorization, and mutual NDA signed
  3. Threat model built against your specific regulatory exposure
  4. Manual testing led by OSCP / CREST CRT certified engineers
  5. QSA-ready report with regulatory mapping appendices
  6. 60-minute remediation walkthrough with your engineers
  7. Free retest within 30 days
Built for regulated workloads

SCOPE A FINTECH
engagement.

Confidential 30-minute call. Fixed-price proposal mapped to your regulatory exposure in 24 hours.