Penetration testing & security for fintech
Fintech is where money, regulation and APIs meet, and where one broken authorisation check can move funds or expose every customer's records. We test payment flows, public and partner APIs, and the controls your auditors and partners expect. Manual-first, under NDA, with a free re-test within the window set in the SoW.
What's at stake in fintech
The most serious fintech findings are rarely a missing patch. They are logic and authorisation flaws in the flows that handle money and personal financial data, and these are exactly the issues automated scanners miss.
Money-movement logic
Race conditions, limit bypasses and amount tampering in payment and transfer flows. Manual testing is designed to catch logic flaws like these.
Broken authorisation across tenants
BOLA/IDOR that lets one customer read another's statements, balances or invoices. It is the most common high-severity API flaw.
Cardholder-data exposure
Weak scoping or segmentation around the cardholder-data environment, where PCI DSS demands active testing rather than a scan.
Open-banking & partner APIs
Token, consent and scope handling across third-party integrations, where a single mis-scoped grant can over-expose data.
How we test fintech systems
We start with the engagements that find the flaws that actually hurt a financial product: authenticated, multi-role API testing, the application itself, the network and segmentation around the CDE, and PCI DSS readiness when you need to show compliance.
Grounded in the standards fintech is held to
Application and API testing maps to OWASP WSTG v4.2, the OWASP API Security Top 10 (2023) and OWASP ASVS 5.0; network and segmentation testing supports your PCI DSS v4.0.1 Requirement 11.4 obligations. We provide readiness and testing; we are not a QSA and do not issue a Report on Compliance. Findings are scored with CVSS 3.1.
What you can expect on a fintech engagement
Vexaro builds software and infrastructure as well as testing it. That inside view is why our reports rank findings by business risk rather than scanner noise. We name no clients.
- Manual-first, multi-role testing of payment flows and APIs
- Manual-first testing that finds flaws in money movement and authorisation logic
- PCI DSS readiness and the Requirement 11.4 testing it depends on
- Reports that prioritise business risk, with a free re-test of the fixes within the window set in the SoW
- NDA before any access; evidence encrypted, then deleted or returned