Paying.co runs internal and external penetration testing for payment businesses, with AI-driven scanning powered by our own platform — Flaw.co. We cover the full perimeter and the full interior, generate the documentation that QSAs accept on the first pass, and keep you compliant with both the PCI council standard and the card brand programs that sit on top of it — Visa, Mastercard, American Express, and Discover.
Pen testing isn't one thing. Attackers come at you from outside the perimeter and from inside it — and compliance programs require evidence of both. Paying.co covers all three angles: traditional external testing, full internal segmentation testing, and continuous AI-driven scanning through our Flaw.co platform. One team, one report, one set of remediation actions.
Testing the way an outside attacker would — the public perimeter, web applications, exposed APIs, mobile apps, and any cloud-facing infrastructure. OWASP Top 10, injection attacks, authentication weaknesses, rate-limit bypasses, and the manual exploration automated scanners can't replicate. Required annually under PCI DSS 11.4 and most card brand programs.
Schedule an external testOnce an attacker is inside the perimeter, what can they reach? Internal pen testing simulates a foothold inside your network and tests segmentation, lateral movement, privileged access paths, and isolation of the cardholder data environment. Segmentation testing is PCI DSS 11.4.5 territory — required for any merchant or service provider relying on network segmentation to reduce scope.
Schedule an internal testFlaw.co is our AI-powered internal pen testing and scanning platform — a complete solution that scans your entire infrastructure, identifies areas of concern, and generates a clear, prioritized recommendation path for resolution. Continuous coverage between annual engagements, with AI analysis catching configuration drift and emerging threats as they appear.
Visit Flaw.coFlaw.co handles the scale — continuous infrastructure-wide scanning, AI-driven analysis of the findings, and a prioritized resolution path. Our senior testers handle the depth — manual exploitation, business logic testing, and the kind of creative attack paths automated tools were never trained to find. The combination is what passes a QSA review on the first round.
Flaw.co continuously scans your infrastructure, applications, and configurations — correlating findings with known CVEs, configuration baselines, and threat intelligence. AI analysis surfaces the issues that matter, not just the long-tail noise that wastes triage time.
Automated scanners find the obvious. Senior pen testers find the rest — chained vulnerabilities, business logic flaws, authentication bypasses, and the application-specific edge cases that need a human mind to discover and an actual exploit to validate.
Every finding gets a prioritized resolution path — not just "this is broken" but "here's how to fix it, in this order, with this much effort." Remediation guidance our engineers can hand to your engineers, with the technical detail needed to actually close the issue.
Reports written the way QSAs and card brand reviewers want to receive them — clear scope, methodology, findings, evidence, and retest results. PCI DSS reporting requirements covered, plus the additional documentation that Visa AIS, Mastercard SDP, and the other card brand programs expect.
Most pen testing services stop at PCI DSS. That's a baseline — necessary, but not sufficient. The card brands run their own compliance programs on top of the council standard: Visa Account Information Security (AIS), Mastercard Site Data Protection (SDP), American Express Data Security Operating Policy (DSOP), and Discover Information Security & Compliance (DISC). Each one has its own evidence requirements, reporting cadence, and validation tier — and each one expects your pen test report to look a specific way.
Paying.co's pen testing covers both layers. The Flaw.co platform delivers PCI DSS 4.0 evidence and the card brand-specific reporting in the same engagement, so you don't end up with a report that satisfies the QSA but gets bounced back by a card brand reviewer six weeks later. AI-driven internal and external scanning, manual exploitation by senior testers, prioritized resolution paths, and the documentation packaged for whichever validation tier you're operating at.
The point is simple: a pen test is supposed to find your flaws before an attacker does — and supposed to satisfy the people checking your compliance. Paying.co does both, in one engagement, with the same team from scan through report through retest.
Talk to our pen testing teamFlaw.co is the AI-powered scanning, analysis, and reporting platform we built specifically for payment infrastructure pen testing. It runs continuously, catches the issues a once-a-year scan would miss, and generates the documentation needed to satisfy both the PCI council and the card brand programs. Senior pen testers extend Flaw.co's coverage with manual exploitation that no AI replaces.
Flaw.co scans the full attack surface — external perimeter, internal network, web applications, mobile apps, cloud configurations, APIs, and the endpoints in between. Same platform, one scope, one consolidated report instead of five vendor outputs that don't agree on findings.
Raw scanner output is noise. Flaw.co's AI layer correlates findings against known CVEs, threat intelligence, and your specific environment context — surfacing the issues that matter and suppressing the low-signal alerts that drown teams in triage work.
Every finding includes the exploit path, the business impact, the affected assets, and the prioritized remediation steps. Reports formatted for PCI DSS evidence and for Visa AIS, Mastercard SDP, Amex DSOP, and Discover DISC reporting requirements.
Annual pen tests catch a snapshot. Flaw.co catches the drift — new services exposed, configurations changed, dependencies updated, new CVEs published. The platform keeps watching after the engagement ends, so the next test starts from a known baseline.
Payment compliance is layered. The PCI Security Standards Council publishes the baseline — PCI DSS. Each card brand then runs its own validation program on top, with its own evidence requirements and reporting cadence. Our pen testing reports are built to satisfy all of them in a single engagement — with the right format, the right scope, and the right level of detail for each tier.
Penetration testing covering PCI DSS 4.0 requirements 11.4.1 (methodology), 11.4.2 (internal), 11.4.3 (external), 11.4.5 (segmentation), and 11.4.6 (segmentation for service providers). The baseline every other program builds on.
Account Information Security — Visa's compliance program for merchants and service providers handling Visa card data. Pen test reports formatted to Visa AIS reporting requirements and tier-specific validation expectations.
Site Data Protection — Mastercard's program covering account data security for merchants and service providers. Reports built for the SDP Compliance Validation Worksheets and registered third-party reporting requirements.
Data Security Operating Policy — American Express's program for merchants accepting Amex. Pen testing and reporting aligned to the DSOP merchant levels and the additional validation expectations Amex layers on top of PCI DSS.
Information Security & Compliance — Discover Global Network's program for protecting cardholder data. Reports formatted for DISC reporting and the specific evidence Discover expects for each merchant tier.
Run one Flaw.co pen test engagement and produce evidence packages for all five programs — PCI DSS, Visa AIS, Mastercard SDP, Amex DSOP, Discover DISC. No duplicated scans, no separate vendors, no gaps where one program covers what another misses.
Our penetration testing covers the eight domains that matter for payment infrastructure. Whether the engagement is a focused web app test or a full-scope external + internal + segmentation pen test, the methodology is the same — AI-driven discovery, manual exploitation, prioritized findings, and reports that compliance reviewers accept.
External and internal network vulnerability scanning, port enumeration, service exploitation, and segmentation validation across your CDE boundary.
OWASP Top 10, XSS, SQL injection, authentication bypasses, API testing, and the business logic flaws automated scanners can't find.
iOS and Android application security assessment — static analysis, runtime analysis, certificate pinning, secure storage, and reverse engineering.
AWS, Azure, and GCP configuration review, IAM analysis, exposed buckets, security group rules, and infrastructure-as-code hardening.
Wi-Fi security testing, rogue access point detection, WPA-2/3 weakness assessment, and segmentation validation between guest and corporate networks.
Servers, firewalls, routers, switches, and endpoint security testing — the backbone of your environment that PCI DSS scope assessment depends on.
Phishing simulations, vishing, pretexting, and human factor testing to evaluate the security awareness controls PCI DSS 12 requires.
Pen testing scoped specifically for PCI DSS 4.0 requirements 11.4.x, plus the card brand program reporting that sits on top — AIS, SDP, DSOP, DISC.
Every Paying.co pen test engagement runs against a documented Statement of Work, with named owners on both sides and clearly defined scope. Focused tests (single application or external perimeter) typically land in 2–4 weeks. Full external + internal + segmentation engagements run 6–10 weeks from kickoff to retest. Continuous coverage via Flaw.co is structured as an ongoing platform engagement.
We start with a no-cost scoping conversation — your environment, your compliance obligations (PCI DSS, Visa AIS, Mastercard SDP, Amex DSOP, Discover DISC), and what's driving the test. The output is a clear scope and a fixed price before we touch any system.
Flaw.co runs the discovery phase — full external attack surface mapping, internal network enumeration, application crawling, cloud configuration review, and AI-driven correlation against current threat intelligence. The scan produces the raw findings; the AI prioritizes them.
Senior pen testers take the prioritized findings and validate them with actual exploitation — chained vulnerabilities, business logic flaws, segmentation gaps, and the application-specific edge cases AI alone won't catch. Proof of exploitation, not just theoretical risk.
Our experts review your critical software, patch levels, and configurations — then develop a tailored remediation plan. Necessary updates, system hardening, and policy improvements prioritized by audit risk and remediation effort. Your team executes; we stay available throughout.
Clear, comprehensive reports plus the PCI-required documentation. Formatted for QSA submission, with the additional sections card brand programs (Visa AIS, Mastercard SDP, Amex DSOP, Discover DISC) require. Accurate, complete, and ready for certification on the first review.
Retest after remediation, validate every closed finding, then transition into continuous Flaw.co coverage between engagements. The next annual pen test starts from a known baseline, not from a months-long catch-up project.
Tell us what you need tested — an external perimeter scan, internal segmentation validation, a full pen test for an upcoming audit, or continuous coverage through Flaw.co. We'll come back with a scope, a timeline, and a fixed price. You'll hear back from a senior pen tester, not a sales rep.