is Payment Gateway Audit Important
Protect customer payment credentials, prevent checkout tampering, and satisfy strict RBI Payment Aggregator and PCI-DSS v4.0 mandates. Lumiverse Solutions delivers comprehensive Payment Gateway security audits, cryptographic tokenization testing, and payment switch penetration assessments.
Request Payment Gateway Audit
Schedule a scoping consultation with senior payment security specialists
6 Core Disciplines of Payment Gateway Security
End-to-end security auditing covering API switches, encryption vaults, client-side scripts, and merchant integration hooks.
Payment API & Switch Penetration Testing
Auditing REST/SOAP payment initiation, callback webhooks, authorization endpoints, and settlement switches against tampering.
- Idempotency key & race condition testing
- Payment amount and currency tampering checks
- HMAC webhook signature validation verification
Tokenization & Card Vault Cryptography
Verifying that Primary Account Numbers (PAN) and CVV codes are never stored in plain text, utilizing AES-256 and HSM-backed token vaults.
- Token vault micro-segmentation review
- Hardware Security Module (HSM) key rotation audit
- Zero-storage card memory scrubbing validation
Magecart & Client-Side Skimming Defense
Auditing hosted checkout pages, iFrames, and SDKs against script injection, DOM manipulation, and unauthorized external data leaks.
- Content Security Policy (CSP) enforcement
- Subresource Integrity (SRI) verification
- Real-time client-side script tamper monitoring
RBI Payment Aggregator (PA/PG) Compliance
Ensuring strict adherence to RBI Master Directions on Payment Aggregators, nodal account segregation, and Indian data localization.
- Domestic payment data residency auditing
- Multi-factor authentication for merchant portals
- Quarterly vulnerability remediation SLAs
Merchant Portal & Settlement Security
Hardening merchant onboarding portals, refund triggering workflows, automated payout APIs, and dispute resolution interfaces.
- BOLA/IDOR vulnerability testing on payout APIs
- Role-based access control (RBAC) audits
- Automated anomaly alerts for mass refunds
PCI Attestation of Compliance (AoC)
Guiding payment gateways and merchants through formal PCI-DSS v4.0 audits to issue legally recognized Attestation of Compliance (AoC) certificates.
- SAQ-A, SAQ-A-EP, and SAQ-D audit verification
- Report on Compliance (RoC) documentation
- Annual ASV network vulnerability scanning
5-Stage Payment Gateway Security Audit Roadmap
A zero-downtime, compliance-tested methodology designed for high-throughput fintech infrastructure.
Cardholder Data Environment (CDE) Mapping
Identifying all servers, databases, third-party libraries, and network paths that transmit or process cardholder and payment data.
Payment Logic & Exploit Verification
Executing controlled black-box and grey-box penetration tests on payment initiation, callback webhooks, and refund APIs.
Vault Security & Key Management
Auditing AES-256 / RSA encryption keys, HSM key lifecycle procedures, and database tokenization tables.
Checkout iFrame & Script Inspection
Testing mobile SDKs (iOS/Android) and browser checkout iFrames for data leakage, insecure caching, and script tampering.
PCI AoC & RBI Compliance Sign-Off
Issuing the formal executive vulnerability dossier, PCI Attestation of Compliance (AoC), and RBI statutory compliance certificate.
Frequently Asked Questions
Key details regarding scoping, timelines, evidence handling, and deliverables.