Built for payment-grade scrutiny
FinTech penetration testing tuned to payment APIs, account flows, KYC, partner integrations, and the diligence questions bank sponsors and enterprise partners actually ask. Compliance-ready evidence on a real timeline.
Why do FinTech companies need penetration testing?
FinTech platforms move money and hold sensitive customer data, which makes them direct targets for fraud and abuse. Penetration testing proves that payment APIs, account flows, and KYC handling resist real-world attacker techniques, and produces the evidence sponsors, partners, and auditors expect to see.
FinTech security reality
Three pressures every FinTech security team is operating under.
Money movement is unforgiving
Payment, account, and KYC bugs can convert directly into fraud losses, chargebacks, or partner termination.
Bank and partner due diligence is heavy
Sponsors, processors, and enterprise partners often require recent, credible pentest evidence before they sign.
PCI and SOC 2 demand real evidence
FinTech buyers and auditors expect compliance-ready reporting, not a one-page automated scan summary.
Common FinTech attack surfaces
Payment APIs
Money movement endpoints, ledger interactions, idempotency, and transaction workflow logic.
Customer Web and Mobile
Account dashboards, transaction views, support flows, and embedded experiences.
Authentication and KYC
Login, MFA, device trust, identity verification, and account takeover paths.
External Infrastructure
Public DNS, gateways, edge services, and exposed admin or operator endpoints.
Partner and Merchant Access
Partner portals, merchant dashboards, OAuth-connected apps, and webhooks.
Cardholder Data Environment
Segmentation validation, exposure paths, and lateral movement into the CDE.
Where traditional pentesting falls short
Three delivery models, one program
AI-only pentest
Continuous, broad coverage of web and APIs.
- Speed
- Always on
- Human involvement
- AI agents only
- Outcome
- Continuous validation report
Best for: Recurring API and web validation between engagements.
Hybrid AI + human
Senior tester plus AI for payment-grade depth.
- Speed
- Days, not weeks
- Human involvement
- Senior tester reviews and validates
- Outcome
- Compliance-ready hybrid report
Best for: PCI, SOC 2, and partner due diligence cycles.
Manual pentest
Fully expert-led for high-stakes scope.
- Speed
- Custom engagement
- Human involvement
- Human-led end to end
- Outcome
- Deep manual report
Best for: Critical money movement and sensitive workflow scope.
FinTech pentest pricing that holds up to diligence
Clear starting points for AI and hybrid engagements. PCI-aligned scope priced against your real attack surface.
AI Pentest
$1,500
- Fast turnaround
- Exploit-validated findings
- Web app and API coverage
- Recurring validation between formal pentests
Best for: Continuous validation of customer platforms and partner-facing APIs.
Hybrid (AI + Human) Pentest
Starting at $5,000
Typical FinTech engagements scale with payment flow and API surface complexity
- AI attack simulation + senior US-based pentester validation
- PCI-aligned and SOC 2 ready reporting
- Dedicated project manager + private Slack channel
- Free retest included
Best for: Annual PCI and SOC 2 cycles, partner due diligence, and bank sponsor reviews.
FinTech use cases
Payment workflow testing
Targeted testing of money movement endpoints, ledger interactions, and abuse paths.
- Idempotency and replay
- Authorization checks
- Multi-step abuse chains
API security validation
Deep API testing for partner, internal, and customer-facing endpoints.
- Object-level authorization
- Token handling
- Rate limit and abuse
Customer platform assurance
Pentest evidence formatted for bank sponsors, partners, and enterprise procurement.
- Shareable summary
- Letter of attestation
- Due diligence ready
Continuous AI pentesting
Always-on AI agents validating web and API as the platform changes between engagements.
- Daily coverage
- Pairs with hybrid
- Recurring validation
Built to support PCI, SOC 2, and partner diligence
StealthNet supports your compliance program. Final certification is performed by your QSA or auditor.
PCI DSS pentesting
Testing aligned to PCI DSS requirements including segmentation validation and CDE-focused scope.
SOC 2 pentesting
Audit-ready reporting that drops into SOC 2 evidence and partner due diligence.
Partner and bank due diligence
Reporting structured for the audiences that gate FinTech distribution and sponsorship.
Pentest evidence FinTech buyers actually trust
Faster turnaround
Move from scoping to testing in days, not months.
Compliance-ready reports
Formatted for QSAs, auditors, sponsors, and customer security teams.
Flexible delivery
AI-only, hybrid, or manual depending on the engagement.
Recurring validation
Programs designed for platforms that change continuously.
FinTech pentesting questions
Ready for a FinTech pentest your sponsors will accept?
Talk to the StealthNet team about scoping a pentest aligned to your next PCI cycle, partner review, or platform release.