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xtreme.infosec
BFSIFintech, NBFC & payments

VAPT for Fintech & NBFCs — built for RBI-regulated businesses

NBFCs, payment companies and lending apps handle money and KYC data, and regulators and banking partners expect regular, independent security testing. We test your apps, APIs and infrastructure the way an attacker would, give you a report your board and auditors can read, and help your team fix every finding.

Mobile, API & web app testingReports for RBI audits & bank partnersCERT-In audit via partner if needed
Free quoteWe reply within 1 hour

Get a fintech VAPT quote

Share a few details and get clear next steps, a timeline and a fixed quote.

ConfidentialISO 27001 certifiedNo spam, ever
100+Projects delivered
5 minAverage response time
NDASigned before any code is shared
100%Client satisfaction

    Overview

    Security testing that follows the money.

    Fintech attacks rarely come through a missing patch. They come through business logic: changing an amount after approval, reusing an OTP, or reading another customer’s KYC documents through an API. We test payment, lending and KYC flows by hand alongside the usual infrastructure checks, and map findings to what RBI directions and your banking partners ask for.

    SCANNER ONLYXTREME INFOSEC
    Known vulnerability scan✓✓
    Payment & loan flow abuse testing✕✓
    KYC & document access checksLimited✓
    Mobile app reverse engineering✕✓
    Report for RBI audits & bank partnersLimited✓

    Built for:

    • ●NBFCs and digital lenders
    • ●Payment aggregators and gateways
    • ●Neo-banks, wallets and UPI apps
    • ●Insurtech and wealth platforms
    • ●Fintechs working with partner banks
    Book a fintech VAPT

    or call +91 98183 63944

    What we test

    What we test for fintech

    Pick an area to see what we check — and a typical finding.

    Mobile apps

    The Android and iOS apps your customers use.

    WHAT WE CHECK

    • Root / jailbreak & tampering checks
    • Token storage on the device
    • Certificate pinning
    • Hard-coded keys & secrets

    EXAMPLE FINDING

    Auth token stored in
    plain text on the device
    HIGH

    APIs

    Lending, payment and KYC APIs.

    WHAT WE CHECK

    • Object-level authorisation
    • Amount & limit tampering
    • OTP & session abuse
    • Rate limits on sensitive actions

    EXAMPLE FINDING

    Loan amount changed
    after approval by API replay
    CRITICAL

    Web portals

    Customer, partner and admin portals.

    WHAT WE CHECK

    • Role & maker-checker bypass
    • KYC document access
    • Injection & file upload
    • Session handling

    EXAMPLE FINDING

    Any user can view other
    customers’ KYC documents
    CRITICAL

    Payment flows

    Checkout, refunds, wallets and settlement.

    WHAT WE CHECK

    • Price & currency tampering
    • Refund and cashback abuse
    • Webhook validation
    • Race conditions

    EXAMPLE FINDING

    Refund issued twice through
    a race condition
    HIGH

    Network & cloud

    Servers, VPN and cloud accounts.

    WHAT WE CHECK

    • External attack surface
    • Cloud IAM & storage
    • Patch levels
    • Network segmentation

    EXAMPLE FINDING

    Public storage bucket with
    bank statements
    CRITICAL

    Audit reports

    Reports that fit regulatory and partner reviews.

    WHAT WE CHECK

    • Findings mapped to RBI expectations
    • Executive summary for the board
    • Remediation tracking
    • CERT-In audit via partner

    EXAMPLE FINDING

    Audit-ready report with
    all criticals closed
    READY
    Process

    How fintech VAPT with us works

    01

    Scoping call

    Share your apps, APIs and the audit or partner requirement. We sign an NDA first.

    02

    Flow mapping

    We map payment, lending and KYC flows and agree what matters most.

    03

    Testing

    Manual testing of apps, APIs and infrastructure, in agreed test windows.

    04

    Report & fixes

    Every finding with its risk and exact fix for your developers.

    05

    Retest

    We re-check every fix before your audit or partner review.

    Engagements

    Pick the engagement that fits

    Tell us your apps and the requirement you need to meet, and we’ll send a fixed quote.

    ESSENTIAL

    App + API

    One mobile or web app and its APIs.

    • Manual app & API pentest
    • Business-logic testing
    • Report with fixes
    • Free retest
    Get a quote
    MOST POPULAR

    Full stack

    Apps, APIs, infrastructure and cloud.

    • Everything in App + API
    • Network & cloud review
    • Board-ready summary
    • Remediation calls
    Get a quote
    CONTINUOUS

    Annual compliance

    Periodic testing for regulated entities.

    • Half-yearly or yearly cycles
    • New releases tested
    • A report for every audit
    • CERT-In audit via partner
    Talk to us
    “Their penetration testing methodology was thorough and aligned with OWASP standards. The final report was detailed, actionable, and easy for our developers to understand.”
    Shaik Ajur★★★★★
    “Xtreme InfoSec identified critical vulnerabilities that other vendors missed, with excellent remediation support.”
    William John★★★★★
    FAQ

    Questions before you start

    Does RBI require VAPT?−

    RBI’s IT and cyber security directions for banks and NBFCs expect regular vulnerability assessment and penetration testing. The exact frequency and scope depend on your category of entity — share your circular and we’ll scope the test to it.

    Can you provide a CERT-In empanelled auditor’s report?+

    Yes, through our CERT-In empanelled partner. Xtreme InfoSec is not CERT-In empanelled: we run the testing and help you fix the findings, and the partner’s team verifies them and issues the report. How CERT-In audits work →

    Will testing affect live transactions?+

    We agree test windows and use test accounts or UAT environments where possible. When production must be tested, we avoid destructive actions and coordinate with your team.

    What do you need from us to start?+

    App builds or URLs, test accounts for each role, API docs, UAT access if available, and the circular or partner requirement. We sign an NDA first.

    Do you help us fix what you find?+

    Yes. Every finding comes with clear, step-by-step fixes, and our team stays with your developers until the critical issues are closed and retested.

    Get started

    Secure your payment and lending flows.

    Book a free scoping call. Share your apps and requirement, and get a clear plan and a fixed quote.

    +91 98183 63944

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