APIsec for Payment APIs

Payment APIs expose sensitive financial operations and are often enumerated for abuse. This scanner assesses endpoints using read-only interactions, including GET and HEAD, plus text-only POST for LLM probes, to avoid disruptive testing.

• Authentication checks for multi-method bypass and JWT misconfigurations such as alg=none, HS256, expired tokens, missing claims, and sensitive data in claims.
• Input Validation detects CORS wildcard configurations (with and without credentials), dangerous HTTP methods, and debug endpoints that should not be exposed in production payment flows.
• Data Identification focuses on PII patterns relevant to payments, including email, Luhn-validated card numbers, context-aware SSN, and API key formats commonly seen in payment integrations.

The tool maps findings to OWASP API Top 10 (2023) and supports audit evidence collection for PCI-DSS 4.0 controls over payment interfaces.

Broken Level of Authorization (BOLA) and Broken Function Level Authorization (BFLA) are common in payment flows where ID-based access controls are misapplied.

• Sequential ID enumeration and active adjacent-ID probing test whether object-level authorization is enforced on payment records.
• Admin endpoint probing and role/permission field leakage checks help identify BFLA risks that could enable privilege escalation.
• Property Authorization findings highlight over-exposure and internal field leakage, including mass-assignment surfaces that could allow tampering with payment parameters.

These checks align with security controls described in OWASP API Top 10 and SOC 2 Type II trust criteria for access governance.

The scanner parses OpenAPI 3.0, 3.1, and Swagger 2.0 documents with recursive $ref resolution to build an expected security model.

• It cross-references spec definitions against runtime observations to surface undefined security schemes, sensitive fields, deprecated operations, and missing pagination that can lead to data exposure.
• Specification-driven testing helps ensure that documented authentication and authorization expectations match actual behavior, reducing configuration drift in payment services.

These capabilities help you prepare for compliance requirements and provide audit artifacts aligned with PCI-DSS and SOC 2 Type II evaluation methodologies.

Authenticated scans are available from the Starter tier onward, supporting Bearer, API key, Basic auth, and Cookie-based authentication.

• Domain verification via DNS TXT record or HTTP well-known file ensures that only the domain owner can run authenticated scans against payment environments.
• Header allowlist is restrictive, forwarding only Authorization, X-API-Key, Cookie, and X-Custom-* headers to prevent credential leakage to unrelated endpoints.

This approach enables deeper validation of payment workflows while maintaining strict boundaries around credential usage and scope.

Payment APIs that expose chat or completion endpoints may be probed by AI agents. The scanner includes 18 adversarial tests across Quick, Standard, and Deep tiers.

• Tests cover system prompt extraction, instruction override, DAN and roleplay jailbreaks, data exfiltration attempts, cost exploitation, and token smuggling.
• It also includes techniques such as base64/ROT13 encoding bypass, translation-embedded injection, few-shot poisoning, markdown injection, multi-turn manipulation, indirect prompt injection, and PII extraction relevant to conversational payment assistants.

These findings highlight configuration issues that could weaken AI-assisted payment operations, and remediation guidance is provided for each test category.