Compliance-aware audit for fintech products
Payment flows, 2FA, KYC/AML, sensitive data handling + PCI DSS surface hygiene. Standard audit isn't enough for fintech. $1,200 fixed price, 2-week delivery.
⚠️ In fintech, one bug costs $$$
A standard web audit can't understand fintech risks. A wrongly processed payment = chargeback. Leaked PII = GDPR fine. A broken 2FA = account takeover. This package targets exactly those zones.
What's included
Payment flows — end to end
Stripe, PayPal, Adyen, Braintree, bank transfer. Test mode: success, declined, 3DS challenge, timeout, duplicate, refund. Webhook validation for every scenario.
2FA + MFA security tests
SMS OTP, TOTP (Google Authenticator), authenticator app, backup codes. Rate limiting, bypass attempts, session fixation, remember-me verification.
KYC / AML flows
Document upload (ID, passport, selfie), OCR validation, risk scoring, PEP (Politically Exposed Persons) check, red-flag edge cases. Jumio, Onfido, Sumsub integrations.
Sensitive data + audit logs
PII masking, data encryption (at rest + transit), sensitive data leak check in logs, audit log immutability, soft delete behavior.
PCI DSS surface hygiene
Is PAN (card number) stored? Is it masked in form input? Any leak in logs? Is CVV never persisted? Surface check — not a pentest, hygiene.
Edge-case library
Double-charge, partial refund, cross-currency, timezone-sensitive queries, race conditions (same user transferring from 2 devices), network-interruption resilience.
Rate limit + brute force
Login, 2FA submit, transfer confirmation — all rate-limited? Captcha + lockout logic correct in brute-force defense?
Prioritized bug report
Each bug: severity (critical/high/medium/low), compliance impact, financial risk estimate, repro steps, screen recording. Jira/Linear import format.
Why Fintech Audit instead of Full QA Audit?
Standard Full QA Audit ($900) is for generic web products — doesn't understand fintech-specific risks.
Fintech Audit is domain-specific: payment edge-case library, 2FA bypass attempts, KYC provider integrations, PCI surface hygiene, audit log validation.
My portfolio: Digital Identity & 2FA Platform, encryption software, super app (fintech). I come knowing the real risks of fintech products.
One chargeback: $50-150 + reputational damage. One GDPR violation: up to €20M. $300 extra here is cheap insurance.
Who it's for
- Fintech startups (neo-banks, payment, lending, insurance)
- Crypto on-ramp / off-ramp products
- B2B SaaS adding payment features (Stripe Connect, marketplace payouts)
- Products preparing for GDPR/CCPA audit
- Teams preparing for SOC 2 (this audit feeds strong input)
- Pre-launch fintech products
How we work
- 1
Week 1 — Discovery + payment flows
Map every payment flow. Test matrix per integration. All success + failure scenarios in test mode. Daily bug reports.
- 2
Week 2 — Compliance + edge cases
2FA + KYC + audit log + PCI hygiene. Edge-case library tests. Final report + retest. Compliance recommendations.
Deliverables
- 20-40 page PDF bug report — compliance-impacting bugs in a dedicated section
- Payment flows test matrix (CSV)
- PCI DSS surface hygiene checklist (passed/failed)
- KYC provider integration findings report
- Prioritized bug list (Linear/Jira import)
- One retest round + final report
Ready to audit your fintech product?
$1,200 fixed price, 2-week delivery. Fintech slots are limited to 2 per month — reserve 1 month before launch.
Book Fintech Audit