Best Fintech Cybersecurity Companies in 2026: Testing Firms for Regulated Finance

Fintech security has a regulator attached to almost every decision. A payments company answers to PCI DSS; a lender or broker to the FTC’s Safeguards Rule; anyone licensed in New York to NYDFS Part 500; anyone selling to banks to their vendor risk teams and, indirectly, to the bank’s own examiners. The cybersecurity company you hire has to produce work those readers accept, on the cadence the rules set. This list is built around that: who tests fintech systems well, and whose reports survive an examiner.

This list is written by a penetration testing company, so Invadel is first and this is our site. Descriptions of other firms are limited to what they publicly say about themselves, with no prices for any of them, because none publish any. Ours are on the pricing page.

What fintech regulation requires of the test

• NYDFS Part 500 (23 NYCRR 500.5): annual penetration testing of the covered entity’s information systems from inside and outside the boundaries, plus vulnerability assessments including automated scans, for entities licensed by the New York Department of Financial Services. Details on our NYDFS penetration testing page.
• PCI DSS (Requirement 11.4): internal and external penetration testing at least annually and after significant changes, segmentation testing, and retest of exploitable findings, for anyone storing, processing or transmitting cardholder data. See PCI DSS penetration testing.
• FTC Safeguards Rule (16 CFR 314.4(d)(2)): for non-bank financial institutions, continuous monitoring or, failing that, annual penetration testing and vulnerability assessments at least every six months.
• SOC 2: expected by nearly every bank and enterprise buyer as the baseline attestation, with a penetration test in the evidence. See SOC 2 penetration testing.

Financial services was the industry with the most publicly reported data compromises in 2025, 739, ahead of healthcare. (ITRC 2025 Annual Data Breach Report) The average financial services breach cost $6.3 million. (IBM Cost of a Data Breach Report 2026) Business email compromise, the attack that moves money, cost $3.046 billion in reported US losses. (FBI IC3 2025 Internet Crime Report)

The best fintech cybersecurity companies in 2026

1. Invadel

Best for: fixed-price penetration testing for fintech startups and mid-market firms, with reports written for NYDFS, PCI and SOC 2 readers.

We are a New York penetration testing firm, and the regulator down the street shapes how we write. Every report maps findings to the framework that drives the test, carries an attestation letter written for an examiner or a bank’s vendor risk team, and includes the free retest that turns an open finding into a closed one before the audit. Web applications, APIs, cloud accounts, networks and code are tested manually by a senior in-house team; the scope is fixed and the price is published. Our fintech penetration testing, banks and credit unions and hedge funds and asset managers pages describe how each engagement is shaped. The honest limitation: we are a boutique, and we do not offer managed detection, incident response retainers or SOC 2 audits.

2. NCC Group

Best for: global financial institutions that need assurance across software, hardware and cryptography.

One of the largest independent security consultancies, with deep cryptographic and software assurance practices and a long record with banks and exchanges. Enterprise procurement and pricing.

3. Kroll

Best for: regulated financial firms that want testing and incident response from one risk advisory brand.

Kroll’s cyber practice sits inside a global risk and financial advisory firm with a large incident response operation, a fit where legal, compliance and insurance stakeholders all sign off on the vendor.

4. Bishop Fox

Best for: enterprise offensive security programs at large fintechs and banks.

A large independent offensive security firm combining penetration testing, red teaming and continuous attack surface management for organizations that want one vendor across the program.

5. NetSPI

Best for: banks and large fintechs running continuous testing at scale.

An enterprise penetration testing company with a large in-house bench and delivery platform, particularly strong in banking, where testing volume is high and procurement wants one scalable vendor.

6. Trustwave

Best for: payment companies that want a long-standing PCI QSA with a testing arm.

A PCI Qualified Security Assessor with its SpiderLabs testing and research team, well established with merchants, processors and card brands.

7. Coalfire

Best for: payment processors and fintechs that need PCI and FedRAMP assessments alongside testing.

A PCI QSA and FedRAMP 3PAO with an offensive security practice, chosen where assessment and testing programs run together.

8. A-LIGN

Best for: fintechs pairing SOC 2, PCI DSS and ISO 27001 attestation with penetration testing.

A licensed CPA firm and PCI QSA that performs the attestations and offers testing through a separate practice.

9. Praetorian

Best for: fintech product companies that want cloud, application and product security tested together.

An offensive security firm with a research culture, often engaged by technology companies for product security programs.

10. Trail of Bits

Best for: blockchain, smart contract and cryptographic review.

A security research firm known for blockchain and smart contract audits, cryptography review and open-source security tooling, the specialist to call when the product is a protocol.

11. Halborn

Best for: digital asset and DeFi security audits.

A blockchain security firm offering smart contract audits and penetration testing for exchanges, custodians and DeFi protocols.

How to pick from this list

1. Start from the regulation. A NYDFS-licensed lender, a PCI Level 1 processor and a DeFi protocol need three different vendors from this list.
2. Ask who reads the report. If the answer is an NYDFS examiner or a bank’s third-party risk team, the report has to be written for them; ask to see one. Ours is on the sample report page.
3. Check the cadence fits. NYDFS wants annual testing; PCI service providers need segmentation testing every six months; the Safeguards Rule wants vulnerability assessments twice a year. A vendor that cannot commit dates a year out is the wrong vendor.
4. Include the money paths. Payment flows, wire instructions, account changes and the APIs behind them are where fintech losses happen. See our API security testing companies list for who tests them by hand.
5. Fix the price. Regulated scopes are well defined; a fixed price is reasonable to expect. See how much a penetration test costs.

Frequently asked questions

Does NYDFS require a penetration test? Yes, annually, from inside and outside the information systems’ boundaries, for covered entities that are not exempt. See NYDFS 500 penetration testing.

Does the FTC Safeguards Rule apply to fintechs? To non-bank financial institutions under FTC jurisdiction, including many lenders, brokers, payment facilitators and fintechs that are not chartered banks. It requires annual penetration testing where continuous monitoring is not in place.

What do bank vendor risk teams ask for? Typically a SOC 2 Type II report, a recent penetration test with remediation evidence, and answers to a security questionnaire. See our fintech penetration testing guide.

Do you test blockchain systems? Not smart contracts; that is a specialist discipline, and Trail of Bits and Halborn are on this list for that reason. We test the web applications, APIs, cloud and infrastructure around them.

The short version

Match the vendor to the regulator, ask to see a report written for that regulator, and get the price and the annual dates in writing. If you want that from a New York firm at a published price, scope an engagement.