For Fintech Teams

Security testing built for the speed of fintech

Payment APIs, open banking endpoints, and regulated financial data attract the most motivated attackers. Penetrify tests your entire application layer continuously — so you catch vulnerabilities in your transaction logic before they become incidents.

The problem

Why Fintech security is uniquely hard

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PCI DSS requires regular penetration testing

PCI DSS 11.4 mandates penetration testing at least annually and after significant changes. With Penetrify, every deployment is a test — you're always current, and you always have evidence for your QSA.

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Payment logic vulnerabilities are invisible to scanners

Race conditions in transfer flows, IDOR on account IDs, and business logic bypasses in payment workflows require an AI that understands application context — not a DAST scanner firing fixed payloads.

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Regulatory scrutiny is only increasing

DORA in the EU, FCA requirements in the UK, and SEC cybersecurity rules in the US all require demonstrable, ongoing security testing. Point-in-time annual pentests no longer satisfy regulators who understand how fast fintech teams ship.

What Penetrify finds

Real Fintech vulnerabilities,
in minutes

Penetrify's AI agent reasons about your application the way an attacker would — testing authorization boundaries, probing business logic, and chaining findings into exploitable paths.

Run your first scan free
penetrify scan — api.yourfintech.io
$ penetrify scan https://api.yourfintech.io
// Initializing AI-driven reconnaissance...
◉ Mapping attack surface...
◉ Testing authentication & authorization...
◉ Probing business logic & API flows...
 
▸ CRITICAL Race condition in /api/transfer — duplicate transactions possible within 50ms window
▸ CRITICAL IDOR on /api/accounts/:id — authenticated user can read any account balance and transaction history
▸ HIGH SQL injection in /api/transactions?filter= — full database read possible
▸ HIGH Webhook signature validation missing — events can be spoofed to trigger transfers
 
✓ Scan complete → app.penetrify.cloud/reports

Compliance

Frameworks that require penetration testing

PCI DSS 4.0

Requirement 11.4 — Penetration testing at least annually and after significant infrastructure or application changes

DORA (EU)

Article 25 — Threat-led penetration testing for financial entities operating in the EU

SOC 2 Type II

CC6.1 — Logical access controls with penetration testing evidence

ISO 27001

A.12.6 — Technical vulnerability management including regular penetration testing

Common findings

What Penetrify finds in Fintech applications

CRITICALRace condition in transfer/payment endpoints — concurrent requests trigger duplicate transactions
CRITICALIDOR on account, transaction, or user ID parameters — cross-account data access
HIGHSQL injection in transaction history or reporting query parameters
HIGHWebhook signature validation missing or bypassable — event spoofing possible
HIGHInsecure direct access to payment processor APIs via exposed credentials in JavaScript
MEDIUMInsufficient amount validation — negative values or overflow accepted in transaction fields
MEDIUMMissing rate limiting on payment initiation endpoints — automated transaction abuse possible
LOWVerbose error messages exposing internal payment processor error codes and stack traces

Why Penetrify

Built for Fintech security requirements

Tests payment flows the way attackers do

Penetrify's AI agent understands application context — it tests transaction flows for race conditions, tests amount fields for manipulation, and checks authorization boundaries across account types. Not just payloads from a CVE database.

PCI DSS evidence on every scan

Every Penetrify scan produces a timestamped report with severity ratings, exploitation evidence, and remediation guidance. Your QSA gets a documented testing history across the audit period — not a single annual report.

Runs before go-live, not weeks after

New payment feature? New open banking integration? Test it in staging before it handles real money. Penetrify returns findings in minutes, so your security review doesn't slow your release velocity.

Continuous coverage between audits

A PCI DSS annual pentest tests your security posture on one day. Penetrify tests it on every deployment. Vulnerabilities introduced between audit cycles are caught and fixed before an attacker finds them — and before your next QSA visit.

FAQ

Fintech security questions

Does Penetrify satisfy PCI DSS penetration testing requirements?

Penetrify's automated findings and reports can satisfy many PCI DSS 11.4 requirements and provide evidence for your QSA. PCI DSS requires penetration testing by a "qualified internal resource or qualified external third party" — whether automated AI testing satisfies this depends on your QSA's interpretation. Many organizations use Penetrify for continuous testing and bring in a certified human tester annually for the formal QSA assessment.

Can Penetrify find race conditions in payment flows?

Yes. Penetrify's AI agent tests for race conditions and concurrency vulnerabilities in API endpoints, including payment flows and transfer operations. Race conditions in financial applications — where concurrent requests trigger duplicate transactions or bypass balance checks — are a high-priority test case.

Does Penetrify work with open banking APIs (PSD2 / FAPI)?

Penetrify can test REST APIs implementing open banking standards. It tests authentication flows, OAuth scope enforcement, and API authorization boundaries. For FAPI (Financial-grade API) specifically, the AI agent tests whether strong authentication controls are enforced consistently across all endpoint paths.

How does Penetrify handle sensitive financial data during testing?

Penetrify operates read-only — it observes application responses and does not modify, delete, or exfiltrate data. Testing against a staging environment with synthetic transaction data is best practice. Penetrify does not store your application data; scan findings contain only the metadata needed to reproduce a vulnerability, not the data itself.

What fintech-specific vulnerabilities does Penetrify find?

Beyond standard OWASP Top 10 coverage, Penetrify specifically tests fintech-relevant scenarios: IDOR on account and transaction IDs, race conditions in payment endpoints, business logic bypasses in amount validation, webhook signature verification, OAuth scope enforcement, and authorization boundary testing across user privilege levels.

How Penetrify compares

Get started

Find your first Fintech vulnerability today

Penetrify starts at $50/month. Run your first scan in minutes — no agent installation, no scoping calls, no contract.