In fintech, the vulnerability that matters is the one that moves money. Fintech penetration testing goes past generic checks to the transaction logic, authorization, and payment flows an attacker abuses, and keeps testing them as you ship, backed by the PCI DSS evidence your partners require.
The costliest fintech findings are rarely a missing header. They are logic flaws in how money moves.
Race conditions, negative or replayed amounts, and reordered transactions that let an attacker move value in ways the happy path never anticipated.
Broken object level authorization that lets one account view or act on another's balances, transfers, or data. A direct path to fraud.
APIs, integrations, and the systems where payments are processed, tested against the OWASP classes and the PCI DSS perimeter.
Fintech ships under pressure and under scrutiny, and Requirement 11.4 expects testing after every significant change. Planck Operator tests the payment and transaction surface continuously, so a change is exercised when it lands, not at the next annual assessment.
The formal annual test stays human led and, where you need it, signed by a certified practitioner. Continuous testing keeps you covered in between.
Transaction and payment logic, authentication and authorization, the API layer, and the cardholder data environment where payments touch it. The focus is money movement and the business logic an attacker abuses to move it.
If you handle card payments, PCI DSS Requirement 11.4 requires it outright. Beyond PCI, regulators and partners expect regular testing as a condition of doing business, so for fintech it is effectively mandatory.
Business logic abuse in money movement: race conditions, negative amounts, replayed or reordered transactions, and broken authorization that lets one account act on another. These are logic flaws a scanner cannot see, and an agent can chain.
Point the agent at your platform and prove your transaction logic and payment surface hold.