VAPT for fintech and payment platforms.
Banks, payment partners and regulated entities ask for a VAPT report before they connect to you, and every year after. We test the app, the APIs and the cloud behind them, then verify the fixes, so the report answers the questions they actually ask.
The report is part of the integration.
RBI's directions on IT governance and outsourcing expect regulated entities, and the vendors they rely on, to run periodic vulnerability assessment and penetration testing. SEBI's cyber security framework asks the same of intermediaries. In practice that lands on you as a bank's onboarding checklist, a payment partner's due diligence, or an auditor's request, each wanting the same thing: a recent, independent test and proof the findings were fixed.
Partner onboarding
A bank, NBFC or aggregator wants a VAPT report before it opens an API or settles money through you.
Annual renewal
The same partner asks again every year, and after any major change to the platform.
Audit and certification
ISO 27001, SOC 2 or PCI DSS work that needs an independent test as evidence.
Where the money moves.
A scanner can't tell whether a limit can be bypassed by sending two requests at once, or whether a webhook trusts whoever calls it. We test the flows that carry money and identity, by hand.
Onboarding and KYC
Identity flows, document uploads, OTP and step-up checks, and what a half-finished signup can already reach.
Transaction logic
Amounts, limits, fees, refunds and approvals, including race conditions and replayed requests.
APIs and webhooks
Tokens, scopes and rate limits, and whether callbacks from partners are verified or merely trusted.
Mobile apps
Android and iOS storage, certificate pinning, exposed components, and how far the app trusts the server.
Cloud and data
Storage buckets, keys and secrets, network exposure, and where customer data sits at rest.
Access across roles
Customer, agent, operations and admin: who can see whose accounts, and what an insider role can do.
A payments technology landscape, end to end.
For one payments technology provider we ran a phased engagement: a risk review across the applications, APIs, cloud, data and services that make up the platform, threat modelling of the money flows, then an application and API penetration test. It surfaced findings up to critical and high severity, delivered in a report the business could act on in order. Like all our work it is anonymised; the profiles show what we found and what was fixed across 16 engagements.
Scope to partner-ready report.
Scope call
Who is asking for the report, what they expect it to cover, your apps and APIs. A fixed quote within one business day.
Threat model
For broader scopes, a short mapping of how money and identity move through the platform, so testing goes where the risk is.
Test
Manual testing across every role, with automated coverage as the floor, on staging or an agreed production window.
Report and debrief
Findings ranked by business risk with proof and fixes, plus the executive summary your partner's risk team will read.
Retest and letter
We verify the fixes and issue the updated report and a retest letter you can hand to the partner or auditor.
Before you book.
Are you CERT-In empanelled?
No. Empanelment matters only when a regulator or auditor specifically requires a CERT-In empanelled auditor for a particular submission. Most bank, partner and customer requirements accept a qualified independent tester with a proper report. Tell us who is asking and we will say plainly whether we fit, and point you elsewhere if we don't.
How often do we need a VAPT?
Partners and regulators generally expect one at least annually and after significant changes to the platform. Many clients run a full test yearly and targeted tests before major releases.
Black box or grey box?
Grey box by default: test accounts for each role and a walkthrough of the product. It finds far more in the same time than guessing from outside, which is what partners want to see tested.
Can you test production?
We prefer a staging copy that mirrors production. Where only production exists we agree a window, test accounts and safeguards, and avoid anything that could affect real transactions.
Will the report name our clients or partners?
No. Security work is confidential. The report names your systems and nothing else, and we never list clients on our site.
Get secured.
Tell us what you're shipping. You'll get a scoped, fixed quote within one business day.