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Loyca
Service reference 17Testing & AssessmentACTIVE PRACTICE PROTOCOL

Fintech Security

Where a flaw moves money

Security testing built for payment flows, mobile money integrations, lending platforms, and the rails between them.

PROTOCOL OVERVIEW

Executive Context & Technical Scope

Payment systems fail in ways generic testing does not look for: race conditions on balance updates, replayed callbacks, tampered webhooks, idempotency gaps that double-credit an account, reconciliation blind spots. We test the money flow itself, including mobile money and card integrations, alongside the application and infrastructure.

TARGET PROFILES

Who Requires This Protocol

Payment service providers and mobile money integrators
Digital lenders and BNPL platforms
Banks launching a new digital channel

ENGAGEMENT ARTIFACTS

Verifiable Outputs & Deliverables

Transaction flow threat model

Delivered under strict NDA with executive presentation and engineering remediation roadmap.

Race condition, replay and idempotency testing

Delivered under strict NDA with executive presentation and engineering remediation roadmap.

Integration and webhook security assessment

Delivered under strict NDA with executive presentation and engineering remediation roadmap.

PCI DSS 4.0 and sector regulator guidance gap mapping

Delivered under strict NDA with executive presentation and engineering remediation roadmap.

PRACTITIONER FAQ

Frequently Asked Scoping Questions

Can you test against production payment rails?
We test in sandbox by default and agree a strictly bounded production scope in writing only where sandbox cannot represent the risk.
Do you cover fraud logic as well as security?
Yes, where fraud controls are technical. We test whether your limits, velocity checks and reconciliation can be evaded.
PRACTICE CONTINUUM

INTELLIGENCE WITHOUT LIMITS

Scope Fintech Security for your organization.

Get a fixed-scope proposal, verifiable deliverables list, and exact timeline for fintech security.

Direct Hotline:+254 740 658 068
NO-OBLIGATION GUARANTEE

What to expect in your scoping call

  • Direct Senior Lead

    You talk to a seasoned cybersecurity consultant, never a sales script.

  • Strict Confidentiality

    We operate under mutual NDA before discussing sensitive architecture.

  • Actionable Next Steps

    Immediate priorities and costed options, whether you engage us or not.

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