Penetration Testing for Fintech, Banks and NBFCs
Fintech products move money, which makes them a prime target. Scantra Security provides penetration testing for fintech companies, banks and NBFCs, covering payment flows, lending platforms, wallets, UPI integrations and mobile apps. Our CERT-In empanelled team helps you meet RBI, PCI DSS and bank partner requirements while finding the logic flaws that lead to fraud.
Last reviewed 2026-09-28 by the Scantra Security testing team
Fintech-specific risks we test
- Transaction tampering and race conditions
- Double spending and refund abuse
- KYC bypass and account takeover
- Weak API authentication with bank and partner systems
- Mobile app reverse engineering and tampering
- Loan and credit limit manipulation
Regulatory drivers
RBI frameworks, PCI DSS, SEBI CSCRF for investment platforms and the DPDP Act all push fintechs towards regular testing. Bank partners and sponsor banks also ask for recent VAPT reports before going live.
Banks, NBFCs, healthtech and e-commerce
The same approach applies to other high-trust sectors. Healthtech platforms handle sensitive health data, and e-commerce platforms process payments at scale. We adjust scope and reporting to the rules that apply to each.
Process
1. Threat modelling of money flows
Understand how value moves through your system.
2. Testing
Web, mobile, API and cloud testing focused on fraud and data risk.
3. Free retest and certificate
We verify fixes at no extra cost and issue an updated report and certificate.
Frequently asked questions
Do sponsor banks accept your reports?
Our reports are designed for bank due diligence and we are CERT-In empanelled.
Do you test UPI integrations?
Yes, including the APIs and callbacks around UPI and payment gateway flows.
Can you test before go-live?
Yes, pre-launch testing is the best time to find logic flaws.