Mobile Payment Platform: PCI DSS Certification and Launch

Security testing and PCI DSS certification for a mobile payment platform processing $1B+ in annual transactions.

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May 22, 2020 BFSI

Client

A fintech startup launching a mobile payment solution

The Challenge

The fintech company needed to achieve PCI DSS Level 1 certification before launching their mobile payment platform. The platform handled tokenized card data, biometric authentication, and peer-to-peer transfers. Any security gap could mean regulatory rejection and reputational disaster.

Our Solution

We conducted a comprehensive PCI DSS assessment including network segmentation testing, encryption validation for data at rest and in transit, penetration testing of mobile applications and APIs, and vulnerability assessment of the entire card data environment.

In the payments industry, trust is everything. PCI DSS certification is not just a regulatory checkbox — it’s the foundation of trust between a payment platform, its users, and the financial system.

Our assessment covered all 12 PCI DSS requirements comprehensively. Network segmentation testing verified that the card data environment was properly isolated from non-CDE networks.

Mobile application security testing went beyond standard OWASP checks. We performed binary analysis, reverse engineering, and runtime manipulation testing to ensure the app was resilient against sophisticated attacks.

The tokenization implementation was tested to ensure that original card data was never stored, processed, or transmitted outside the secure tokenization vault, even under error conditions.

Key Results

1

PCI DSS Level 1 certification achieved on first attempt

2

Zero critical vulnerabilities in final penetration test report

3

Platform launched processing $1B+ in transactions within first year

4

Ongoing quarterly ASV scans maintained clean compliance status

5

Security posture rated as ‘exemplary’ by acquiring bank

Technologies Used

Burp SuiteNessusMetasploitOWASP ZAPQualysSplunk

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