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Trusted by 500+ enterprises across India

Stop Breaches.

Before They Start.

We give fintech and SaaS teams in India clear visibility into exploitable vulnerabilities and compliance gaps — before attackers find them.

RBI Compliant Audits ISO 27001 Certified 24/7 SOC Coverage
defensify.io/dashboard
RISK SCORE
72/100
HIGH
FINDINGS
23
OPEN
COMPLIANCE
68%
SEVERITY · FINDING · LOCATION
CRITICAL SQL Injection /api/payments
HIGH Broken Auth /admin/panel
MEDIUM CORS Misconfiguration api.gateway
Next audit scheduled: June 15, 2025
500+ companies secured  ·  RBI compliant audits  ·  24/7 SOC coverage  ·  97.96% detection rate  ·  ISO 27001 specialists  ·  Bengaluru-based experts  ·  Manual penetration testing  ·  Certified engineers  ·  500+ companies secured  ·  RBI compliant audits  ·  24/7 SOC coverage  ·  97.96% detection rate  ·  ISO 27001 specialists  ·  Bengaluru-based experts  ·  Manual penetration testing  ·  Certified engineers  · 

TRUSTED BY SECURITY-CONSCIOUS TEAMS

FINCORP MEDISAFE CLOUD-X PAYTRUST TECHNO
OWASP Methodology ISO 27001 Aligned CERT-In Empanelled (Future)

THE CHALLENGE

Fast-Moving Teams Create Real Attack Surface

Every new API, every deployment, every configuration change is a potential entry point. Most teams only find out after a breach.

No Visibility Into Risk

Most vulnerabilities sit undetected for months. Without continuous testing, your attack surface grows with every deployment your team ships.

Avg. 207 days to detect a breach

Compliance Without Clarity

RBI, ISO 27001, PCI DSS, SOC 2 — knowing which framework applies and where you're failing is impossible without a structured audit.

60% of fintechs fail their first compliance audit

Speed Creates Blind Spots

Every sprint ships new risk. Without security in your pipeline, you accumulate technical debt that attackers will eventually collect on.

APIs are the #1 attack vector in fintech breaches

THE SOLUTION

Security Visibility and Expert Audits. One Team.

From initial assessment to remediation verification, we handle every step of your security posture improvement.

Real Exploits, Not Scanner Noise

We manually verify every finding. No false positives, no padded reports.

Fintech and RBI Specialist

Deep expertise in payment infrastructure, UPI security, and RBI framework requirements.

Plain-English Reporting

Every finding explained in business impact, not technical jargon your board cannot act on.

Fix Verification Included

We re-test after your team fixes each vulnerability at no additional cost.

Explore Our Services

Compliance Readiness

Last updated: Today
ISO 2700178%
PCI DSS60%
SOC 2 Type II52%
RBI Framework71%

Schedule your compliance audit to improve these scores. Book Now

WHAT WE DO

End-to-End Security Coverage

From your web app to your cloud infrastructure, we test everything attackers target first.

Web Application VAPT

Manual and automated testing of your web applications to uncover injection flaws, authentication bypasses, and business logic vulnerabilities.

OWASPManualBusiness Logic
Learn more

API Security Testing

Deep assessment of your REST and GraphQL APIs for broken object-level authorization, mass assignment, and injection vulnerabilities.

RESTGraphQLAuth
Learn more

Cloud Security Audit

Comprehensive review of your AWS and Azure environments for misconfigurations, exposed storage, and IAM policy weaknesses.

AWSAzureIAM
Learn more

Compliance Audits

Structured gap assessments and audit readiness programs for SOC 2, ISO 27001, PCI DSS, and RBI cybersecurity framework requirements.

SOC 2ISO 27001RBI
Learn more

Red Team Operations

Realistic adversary simulations that test your people, process, and technology against multi-vector attack scenarios.

APT SimulationSocial Eng.Multi-vector
Learn more

DevSecOps Integration

Security embedded into your CI/CD pipeline so every deployment is scanned before it reaches production.

CI/CDSASTDAST
Learn more

WHY DEFENSIFY

Not Scanner Reports. Real Exploits.

Capability Others Defensify
Manual testing by certified experts
Business logic flaw detection
RBI + PCI DSS compliance mapped
Plain-English business impact reports
Free re-test after remediation
Dedicated engineer per engagement
"

Their team found a critical payment bypass we had missed for 8 months. Fixed in 48 hours.

RS
Rahul S.
CTO · Series A Fintech
"

First security audit our board could actually understand. Every finding had a business impact.

PM
Priya M.
CISO · B2B SaaS Platform
"

Passed SOC 2 Type II on first attempt after Defensify's compliance review.

AK
Arun K.
Founder · HealthTech Startup
0
Clients Secured
0
Threat Detection Rate
0
Certified Experts
0
Re-audit Pass Rate

Your Next Security Audit Starts Today.

Free 30-minute consultation. We review your stack and show you exactly where your biggest risks are.

No commitment required  ·  5 business day turnaround  ·  Response in 15 minutes

Home / Services

Enterprise Security. Startup Delivery.

Certified engineers. Manual verification. Business-focused reporting. Every engagement.

5–10 Day Turnaround 1 Free Re-test Included OWASP Methodology Certified Engineers Only

Web Application VAPT

A comprehensive vulnerability assessment and penetration test of your web application, combining automated scanning with manual exploitation to find what scanners miss.

We focus on business logic flaws, authentication weaknesses, and injection vulnerabilities that represent real financial and reputational risk to your organization.

OWASP Top 10Manual TestingBusiness LogicSANS
Typical timeline: 5–7 business days

What You Get

Executive Summary Report
Board-ready overview of risk posture and business impact
Technical Findings Breakdown
Every vulnerability with CVSS score, evidence, and PoC where safe
Remediation Roadmap
Prioritized fix guide with code-level recommendations
Free Re-test After Fixes
We verify all remediations are effective at no extra cost
Letter of Attestation
Signed attestation for compliance documentation or investor due diligence
30-Day Support Window
Direct engineer access for clarifications during remediation phase

API Security Testing

APIs are the primary attack surface in modern fintech applications. We test every endpoint — REST, GraphQL, and webhooks — against the OWASP API Security Top 10 and beyond.

Particular focus on broken object-level authorization, mass assignment, and authentication bypass vulnerabilities that automated tools routinely miss.

REST APIsGraphQLOAuth 2.0JWT
Typical timeline: 3–5 business days

What You Get

Full API Endpoint Inventory
Complete map of all exposed endpoints and their risk classification
Auth Flow Analysis
Token handling, session management, and privilege escalation testing
Data Exposure Assessment
PII and sensitive data leakage across all API responses
Rate Limiting and DoS Review
Assessment of API gateway controls and abuse prevention
OWASP API Top 10 Coverage Report
Structured findings mapped to each of the 10 categories
Developer Fix Guide
Code-level remediation examples for each vulnerability class

Cloud Security Audit

Cloud misconfigurations are the leading cause of data breaches. We audit your AWS and Azure environments against CIS benchmarks to identify exposed storage, overly permissive IAM policies, and insecure network configurations.

Every finding is mapped to your compliance requirements, so fixing security gaps simultaneously improves your audit readiness.

AWSAzureIAM PoliciesCIS Benchmarks
Typical timeline: 7–10 business days

What You Get

CIS Benchmark Assessment
Pass/fail against 100+ cloud security controls
IAM Policy Review
Least-privilege analysis of all roles, users, and service accounts
Storage and Secrets Audit
Exposed S3 buckets, Azure Blob containers, and secret sprawl
Network Security Review
Security groups, VPC configuration, and egress controls
Logging and Monitoring Gap Analysis
CloudTrail, GuardDuty, and alerting coverage review
Compliance Mapping
Findings mapped to ISO 27001, PCI DSS, and RBI requirements

HOW WE WORK

Our Methodology

01

Reconnaissance

Map attack surface, enumerate assets, identify entry points

02

Assessment

Systematic vulnerability identification using OWASP, PTES, NIST

03

Exploitation

Manual verification of each finding — no unconfirmed scanner noise

04

Reporting

Plain-English executive and technical reports delivered in 48 hours

05

Remediation

Engineer support through your fix cycle + free re-test to close the loop

OWASP PTES NIST MITRE ATT&CK OSSTMM

Common Questions

Web application VAPT typically takes 5–7 business days. API testing runs 3–5 days. Cloud audits take 7–10 days. We provide a precise timeline after scoping your specific environment in our initial call.

Not for black-box assessments, which simulate an external attacker. For gray-box testing — which often surfaces deeper logic flaws — we may request limited code access under NDA. We work within whatever constraints your security policy requires.

We strongly prefer to test against a staging environment that mirrors production. When production testing is necessary, we conduct it during low-traffic windows and coordinate closely with your team to avoid service disruption.

Our team holds OSCP, CISSP, CEH, GPEN, and ISO 27001 Lead Auditor certifications. Every engagement is assigned a certified lead engineer with direct relevant domain experience — we don't rotate in junior staff after scoping.

The re-test covers all vulnerabilities identified in the original report. We verify that each fix is effective and issue an updated report. This is included at no additional cost within 90 days of the original engagement.

Home / Fintech Security

Fintech Security Specialist

Security Built for Fintech. Not Retrofitted.

Payment infrastructure, UPI flows, KYC pipelines — we test what actually matters for Indian fintech companies operating under RBI oversight.

THE FINTECH RISK LANDSCAPE

Where Fintech Companies Get Breached

Payment Infrastructure Risk

UPI flows, payment gateway integrations, and wallet APIs carry the highest business risk. A single logic flaw can enable unauthorized fund transfers or double-spend attacks.

73% of fintech breaches target payment flows

RBI Compliance Gaps

RBI's cybersecurity framework requires specific controls around incident reporting, patch management, and third-party risk. Most fintechs have significant gaps they are unaware of until an inspection.

RBI enforcement actions doubled in the last 18 months

KYC and PII Exposure

Aadhaar data, PAN details, and financial history require specific technical and procedural controls. Exposure of this data carries regulatory penalties and customer trust damage that is difficult to recover from.

PDPB penalties reach up to 4% of global turnover

WHAT WE TEST IN FINTECH ENVIRONMENTS

UPI Flow Security Payment APIs KYC Handling Aadhaar Integration Wallet Infrastructure Admin Panel Access Third-Party SDKs Mobile Banking NACH / IMPS Flows Reconciliation Logic

REGULATORY COMPLIANCE

RBI Cybersecurity Framework

RBI Framework Controls Coverage

IT Risk Management Policy
Cyber Crisis Management Plan (CCMP)
SOC Readiness and Monitoring
Patch Management Policy
Data Localisation Compliance
Third-Party Risk Management

Green: typical coverage after Defensify audit  ·  Amber: common gap areas requiring remediation

CASE STUDY

Series A Payments Startup, Bengaluru

Engaged Defensify three weeks before an RBI compliance review. Our team identified a critical authorization flaw in their UPI dispute resolution API that allowed transaction manipulation.

23
Vulnerabilities Found
48h
Critical Fix Time
₹2.3Cr
Fraud Prevented

Passed RBI compliance review with zero major findings

Ready for Your RBI Review?

Schedule a free 30-minute scoping call. We'll identify your top RBI framework gaps in the first session.

Fintech Security Questions

We cover the RBI Master Direction on Information Technology Framework (2023), the Cybersecurity Framework for banks, and applicable sections of the NBFC guidelines. Our assessment maps findings directly to RBI control requirements.

Yes. We have tested payment systems integrated with UPI, IMPS, NACH, and NEFT infrastructure. Our team understands the specific security requirements for TPAP and payment aggregator environments under NPCI guidelines.

We use synthetic test data for all Aadhaar-related testing flows. Where access to masked Aadhaar numbers is necessary to test the integration, we work under strict NDA with documented data handling procedures that comply with UIDAI regulations.

Yes. We conduct PCI DSS gap assessments, help you scope your cardholder data environment, and provide the technical remediation support needed to pass a QSA audit. We have helped three Indian payment companies achieve PCI DSS Level 1 compliance in the past 18 months.

Home / Compliance

Audit Readiness. Framework Clarity. First Attempt Pass.

We translate complex compliance frameworks into actionable remediation plans your engineering team can actually execute.

FRAMEWORKS WE COVER

Structured Path to Compliance

SOC 2 Type II

The de facto standard for B2B SaaS companies. SOC 2 Type II demonstrates to enterprise customers that your security controls operate effectively over time — not just at audit time.

We conduct a readiness assessment, identify gaps in your Trust Services Criteria coverage, and build the evidence collection and policy documentation needed to pass your Type II audit.

Trust Services Criteria12-Month EvidencePolicy WritingVendor Review

Our Approach

1
Scope definition — identify systems, processes, and people in scope
2
Gap assessment against all 5 Trust Services Criteria categories
3
Policy and procedure documentation for each control requirement
4
Technical control implementation guidance and testing support
5
Audit coordination with your CPA firm to ensure evidence package is complete

ISO 27001:2022

ISO 27001 is the international standard for information security management. Certification demonstrates a systematic approach to managing sensitive information — valued by enterprise customers and required by many procurement processes.

We guide you through the full ISMS implementation lifecycle, from risk assessment and Statement of Applicability to internal audit and certification audit support.

93 ControlsRisk RegisterISMS DocumentationInternal Audit

Key Deliverables

Information Security Management System (ISMS) documentation
Asset inventory and risk register with treatment plans
Statement of Applicability (SoA) covering all Annex A controls
Internal audit with findings report and evidence package
Management review documentation and continuous improvement plan

PCI DSS v4.0

Required for any company that processes, stores, or transmits cardholder data. PCI DSS v4.0 introduces new requirements around authentication, targeted risk analysis, and automated log review that many Indian payment companies are not yet prepared for.

We scope your CDE, assess against all 12 requirements, and provide the technical remediation path to pass your QSA assessment — whether Level 1, 2, 3, or 4.

CDE Scoping12 RequirementsSAQ CompletionQSA Support

PCI DSS v4.0 New Requirements We Address

Multi-factor authentication for all access into CDE (Req 8.4)
Targeted risk analysis for each customized requirement (Req 12.3)
Automated log review and alert mechanisms (Req 10.7)
Phishing-resistant authentication for administrative accounts (Req 8.6)
Payment page script security and integrity monitoring (Req 6.4)

COMPLIANCE CHECKER

Which Frameworks Apply to You?

Select your company type to see which compliance frameworks are required or recommended for your situation.

Results are indicative. Regulatory requirements vary by transaction volume and specific services offered.

Home / About

We Are The Shield.

Defensify was founded on one conviction: Indian fintech companies deserve enterprise-grade security, delivered honestly.

"Most security companies sell reports. We sell outcomes. The difference is that we care whether your vulnerabilities actually get fixed."

— Founder, Defensify

Defensify was built by security engineers who grew frustrated watching companies fail audits they could have passed, or worse — getting breached through vulnerabilities a real test would have caught.

We focus exclusively on fintech and SaaS companies because we believe specialization matters in security. Generic security companies treat your payment infrastructure like any other web app. We don't.

2024
Founded
500+
Clients Secured
50+
Certified Engineers
100%
Re-audit Pass Rate

Team Certifications

OSCP
Offensive Security Certified Professional
CISSP
Certified Information Systems Security Professional
CEH
Certified Ethical Hacker
GPEN
GIAC Penetration Tester
ISO 27001 Lead Auditor
Certified Lead Auditor

Mission

To make enterprise-grade security accessible to every Indian fintech company — not just the ones that can afford a Big Four consulting retainer.

Vision

An India where no fintech company loses customer trust or regulatory standing because of a security gap that could have been identified and fixed.

Values

Honesty about what we find. Clarity in how we report it. Commitment to seeing it fixed. We don't inflate findings or exaggerate risk.

Home / Contact

Let's Talk Security.

Free consultation. No commitment. We'll review your architecture and identify your top risks in the first 30 minutes.

Get In Touch

Response within 15 minutes during business hours. SOC team available 24/7 for active incidents.

Phone

+91 8296052309

Email

contact@defensify.in

Location

Bengaluru, Karnataka, India

Hours

Mon–Fri 9AM–6PM IST

SOC available 24/7

Available now — typical response 15 min

Book Your Free Security Audit

All sample reports: download here

Home / Blog

Security Insights for Fintech Teams

Practical guidance on penetration testing, RBI compliance, and building security into fast-moving engineering teams.

Featured
VAPT · 8 min read

The 5 Business Logic Flaws We Find in Every Fintech App

DT
Defensify Team
April 10, 2025

Automated scanners catch injection flaws. What they consistently miss are the application-specific logic errors that let attackers transfer funds they don't own, bypass KYC checks, or inflate wallet balances. Here are the five patterns we see in nearly every fintech VAPT engagement.

Business LogicVAPTFintech
RBI & Regulation

RBI's 2025 IT Framework: What Changed and What It Means for Your Fintech

A plain-English breakdown of the updated controls, new incident reporting timelines, and which clauses most Indian NBFCs are currently non-compliant with.

Mar 28, 2025 · 6 min Read
AppSec

OWASP API Security Top 10: The Ones That Cost Indian Fintechs the Most

BOLA and broken authentication account for over 60% of critical API findings in our audits. Here's what they look like in real fintech payment flows.

Mar 15, 2025 · 7 min Read
Compliance

SOC 2 vs ISO 27001: Which One Should Your Indian SaaS Company Do First?

The honest answer depends on where your customers are and what your sales blockers actually are — not on what's easier to achieve.

Mar 5, 2025 · 5 min Read
Cloud Security

The AWS Misconfigurations We Find Most Often in Early-Stage Fintech Startups

Overly permissive IAM roles, public S3 buckets, and disabled CloudTrail logging — the same three issues appear in roughly 80% of our cloud audits.

Feb 20, 2025 · 6 min Read
Penetration Testing

How to Read a Penetration Test Report: A Guide for CTOs and Engineering Leads

CVSS scores, PoC steps, and severity ratings explained — so your team can prioritize fixes correctly instead of wasting sprints on low-impact findings.

Feb 8, 2025 · 9 min Read
RBI & Regulation

PCI DSS v4.0 Is Here: The 13 New Requirements Most Payment Companies Are Ignoring

The transition deadline has passed. Here's an honest look at which new requirements most Indian payment aggregators and wallets still haven't addressed.

Jan 22, 2025 · 8 min Read

Security Insights, Monthly.

One email per month. Real findings from our engagements, regulatory updates, and practical guides. No padding.