Methodology
Our Approach
A repeatable review process built around one question: what could go wrong in this API, and how would we actually know if it happened?
Discovery & mapping
Before any testing happens, we build a map of the API surface. This includes every endpoint reachable by external clients, internal service-to-service calls that touch payment data, and the authentication mechanisms tying them together.
We also review documentation, existing architecture diagrams, and any prior audit reports. The goal isn't to test blindly. It's to understand the intended behavior first, so deviations from that behavior are easy to spot later.
- Endpoint inventory across public, partner, and internal surfaces
- Authentication and token issuance flow mapping
- Data classification for fields touched by each endpoint
Technical review
This is the hands-on part. We test authentication boundaries between roles and accounts, look at how rate limits behave under retries and parallel requests, and inspect response payloads for fields that shouldn't be there.
Testing combines manual analysis with tooling, but tooling alone rarely catches business-logic issues. A lot of the meaningful findings come from asking "what if this request came from a different account" rather than running a generic scan.
Sensitive tests are run against staging or sandboxed environments wherever possible, using test transaction data rather than live customer information.
Findings & prioritization
Every issue identified is written up with the same structure: what was tested, what happened, why it matters for a payment or transaction context, and a suggested severity based on likely impact and ease of exploitation.
Findings are grouped so engineering teams can see patterns rather than a flat list. If three separate endpoints share the same authorization mistake, that's noted as one root cause with three occurrences, not three unrelated items competing for attention.
Verification & retest
A finding isn't closed because a fix was deployed. It's closed because the specific request that used to succeed now behaves the way it should. We retest each finding individually once remediation is complete.
For engagements tied to a compliance cycle or an upcoming launch, this phase is often scheduled a few weeks after the initial report, giving engineering teams enough time to address higher-priority items first.
Different platforms need different review cadences
Not every organization needs the same shape of engagement. These are the four structures we most commonly work within.
One-time audit
A single, focused review of the current API surface. Common for companies preparing for a compliance review or a security-conscious partner integration.
Periodic review
Scheduled reviews on a recurring basis, useful for platforms that ship API changes frequently and want a consistent check-in point.
Pre-launch review
A concentrated review before a new payment feature or API version goes live, timed to fit around a release schedule.
Incident-adjacent review
Following an internal security concern or a near-miss, a targeted review of the affected area and adjacent endpoints that share the same logic.
Want to know which model fits your platform?
We can talk through scope before anything is formally proposed.
Talk to us