FINTECH PENETRATION TESTING

Fintech pentesting.
Test the trust
behind the API.

Fast-moving products put APIs, service identities and payment workflows at the centre of trust. We test how those controls behave across tenants, roles and transaction states.

Download sample fintech pentest report Discuss your scope

Controlled executionTechnical evidenceRemediation validation

API TRUST. PAYMENT INTEGRITY. EVIDENCE.By Atlant Security

01 / THE ENGAGEMENTPayment platforms, e-money businesses, lending platforms and financial software teams

Test the path.
Understand
the consequence.

Identify where a legitimate API call becomes an unauthorised operation, where workload credentials can cross service boundaries and what a realistic fix must preserve.

Fintech testing follows the product model: customer and merchant tenants, partner integrations, webhooks, service accounts and the state changes that move value.

A merchant API may correctly authenticate a caller but fail to bind an object to that merchant. A webhook can be authentic yet replayed at the wrong transaction state. Tests need the product’s expected business decisions, not just a list of endpoint URLs.

Inside the engagement

DEFINE THE BOUNDARYWhat should the test include?APPOINT WITH CONFIDENCEWhat should you ask a provider?INSPECT THE EVIDENCEWhat should the report prove?

02 / TESTING SCOPE

Follow the trust boundaries.

Plan your scope

01 / FINTECH

Fintech API & tenant-boundary testing

Test the relationship between the caller, the object and the operation.

Object-, property- and function-level authorisation · Merchant and customer tenant isolation

02 / FINTECH

Payment logic & transaction-state testing

Examine the decisions between an accepted request and a completed payment.

Beneficiary changes and approval invalidation · Idempotency keys and duplicate-request handling

03 / FINTECH

Fintech cloud & workload identity testing

Follow credentials from CI/CD into the permissions they actually grant.

CI/CD artefact access and bootstrap credentials · Service-token audience and least privilege

03 / OUR APPROACH

From a testable question
to a defensible answer.

Explore the methodology

A controlled process.
Evidence at every step.

Agree the boundary

Define systems, identities, objectives, permissions and operating constraints.

Model the path

Connect relevant attack scenarios to the services and data you need to protect.

Test under control

Use dedicated tenants, synthetic customer data and test payment rails with real settlement disabled. Agree partner-system permissions, transaction limits, rollback and release windows. Production activity must have explicit owners and a clear stop channel.

Document the result

Record actions, responses, effective controls and the limits of access gained.

Verify the repair

Prioritise findings, assign ownership and retest agreed acceptance criteria.

THE REQUIREMENTS IN CONTEXTRead the framework guidance

Useful evidence.
Clear limits.

A test should inform your security decisions.

“Fintech” is a business description, not one regulatory category. DORA applicability depends on the legal entity and regulated activity; TLPT designation is a separate question. PCI DSS scope depends on payment-card data and systems. Product security testing should be planned alongside these obligations, GDPR and customer requirements.

INSIDE THE SAMPLE REPORT