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.
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.
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.
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.
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.
We attempt the attacks your fraud team sees daily: account takeover, mule onboarding patterns, synthetic identity creation, and rate-limit bypass at scale.
Confidential 30-minute call. Fixed-price proposal mapped to your regulatory exposure in 24 hours.